Side-by-side · Q2 2026 data
First State Bank of Randolph County vs F & M Bank and Trust Company
Metric by metric
| Measure | First State Bank of Randolph County | F & M Bank and Trust Company |
|---|---|---|
| TellerScore | 27 | 69 (stronger) |
| Capital cushion | 33 | 52 (stronger) |
| Loan quality | 0 | 83 (stronger) |
| Earnings | 9 | 55 (stronger) |
| Funding & liquidity | 99 (stronger) | 81 |
| Problem-loan coverage | 0 | 92 (stronger) |
| Peer percentile | 1st | 37th |
| Total assets | $86.9M | $87.4M |
| Deposits / shares | $84.4M | $77.2M |
| Capital ratio | 8.30% | 10.17% (stronger) |
| Problem loans | 4.53% | 0.52% (stronger) |
| Net charge-offs | 0.06% | -0.00% (stronger) |
| Return on assets | -0.27% | 0.88% (stronger) |
| Loans ÷ deposits | 35.9% (stronger) | 79.6% |
| Uninsured deposits | 15.9% | 13.3% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
F & M Bank and Trust Company has the higher TellerScore (69 vs 27). On the 7 directional measures above (where higher or lower is clearly better), First State Bank of Randolph County leads on 1 and F & M Bank and Trust Company on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.