Side-by-side · Q2 2026 data
Flatwater Bank vs F&M Bank
Metric by metric
| Measure | Flatwater Bank | F&M Bank |
|---|---|---|
| TellerScore | 56 | 83 (stronger) |
| Capital cushion | 44 | 68 (stronger) |
| Loan quality | 41 | 98 (stronger) |
| Earnings | 71 | 93 (stronger) |
| Funding & liquidity | 72 (stronger) | 62 |
| Problem-loan coverage | 71 | 99 (stronger) |
| Peer percentile | 13th | 84th |
| Total assets | $367.7M | $354.6M |
| Deposits / shares | $320.8M | $311.6M |
| Capital ratio | 9.38% | 11.76% (stronger) |
| Problem loans | 1.76% | 0.07% (stronger) |
| Net charge-offs | 0.02% | 0.01% (stronger) |
| Return on assets | 1.27% | 1.83% (stronger) |
| Loans ÷ deposits | 84.7% (stronger) | 93.9% |
| Uninsured deposits | 18.5% (stronger) | 18.5% |
| Offices | 3 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 4.0% |
F&M Bank has the higher TellerScore (83 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Flatwater Bank leads on 2 and F&M Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.