Side-by-side · Q2 2026 data
Farmers State Bank vs F&M Bank
Metric by metric
| Measure | Farmers State Bank | F&M Bank |
|---|---|---|
| TellerScore | 97 (stronger) | 88 |
| Capital cushion | 100 (stronger) | 99 |
| Loan quality | 94 (stronger) | 87 |
| Earnings | 100 (stronger) | 76 |
| Funding & liquidity | 89 (stronger) | 75 |
| Problem-loan coverage | 99 (stronger) | 96 |
| Peer percentile | 100th | 92nd |
| Total assets | $186.2M | $419.9M |
| Deposits / shares | $160.3M | $356.8M |
| Capital ratio | 15.44% (stronger) | 14.93% |
| Problem loans | 0.17% (stronger) | 0.38% |
| Net charge-offs | 0.15% | 0.00% (stronger) |
| Return on assets | 2.67% (stronger) | 1.40% |
| Loans ÷ deposits | 54.7% (stronger) | 77.3% |
| Uninsured deposits | 25.0% | 22.2% (stronger) |
| Offices | 3 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.2% | — |
Farmers State Bank has the higher TellerScore (97 vs 88). On the 7 directional measures above (where higher or lower is clearly better), Farmers State Bank leads on 5 and F&M Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Washington, GA
- Lincolnton, GA