Side-by-side · Q2 2026 data
First Southeast Bank vs F & M Community Bank, National Association
Metric by metric
| Measure | First Southeast Bank | F & M Community Bank, National Association |
|---|---|---|
| TellerScore | 68 | 74 (stronger) |
| Capital cushion | 34 | 49 (stronger) |
| Loan quality | 95 | 100 (stronger) |
| Earnings | 84 (stronger) | 62 |
| Funding & liquidity | 50 | 78 (stronger) |
| Problem-loan coverage | 97 | 100 (stronger) |
| Peer percentile | 37th | 57th |
| Total assets | $158.3M | $211.1M |
| Deposits / shares | $116.0M | $184.4M |
| Capital ratio | 8.42% | 9.93% (stronger) |
| Problem loans | 0.14% | 0.00% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.01% |
| Return on assets | 1.60% (stronger) | 1.06% |
| Loans ÷ deposits | 117.2% | 80.7% (stronger) |
| Uninsured deposits | 14.0% (stronger) | 16.9% |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 1.1% |
F & M Community Bank, National Association has the higher TellerScore (74 vs 68). On the 7 directional measures above (where higher or lower is clearly better), First Southeast Bank leads on 3 and F & M Community Bank, National Association on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.