Side-by-side · Q2 2026 data
First State Bank Minnesota vs F & M Community Bank, National Association
Metric by metric
| Measure | First State Bank Minnesota | F & M Community Bank, National Association |
|---|---|---|
| TellerScore | 76 (stronger) | 74 |
| Capital cushion | 64 (stronger) | 49 |
| Loan quality | 73 | 100 (stronger) |
| Earnings | 98 (stronger) | 62 |
| Funding & liquidity | 67 | 78 (stronger) |
| Problem-loan coverage | 89 | 100 (stronger) |
| Peer percentile | 64th | 57th |
| Total assets | $105.9M | $211.1M |
| Deposits / shares | $92.5M | $184.4M |
| Capital ratio | 11.43% (stronger) | 9.93% |
| Problem loans | 0.80% | 0.00% (stronger) |
| Net charge-offs | -0.03% (stronger) | 0.01% |
| Return on assets | 1.94% (stronger) | 1.06% |
| Loans ÷ deposits | 92.7% | 80.7% (stronger) |
| Uninsured deposits | 15.8% (stronger) | 16.9% |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 1.1% |
First State Bank Minnesota has the higher TellerScore (76 vs 74). On the 7 directional measures above (where higher or lower is clearly better), First State Bank Minnesota leads on 5 and F & M Community Bank, National Association on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.