Side-by-side · Q2 2026 data
Fm Bank And Trust vs Focus Bank
Metric by metric
| Measure | Fm Bank And Trust | Focus Bank |
|---|---|---|
| TellerScore | 69 | 75 (stronger) |
| Capital cushion | 36 | 76 (stronger) |
| Loan quality | 83 (stronger) | 72 |
| Earnings | 100 (stronger) | 87 |
| Funding & liquidity | 56 (stronger) | 52 |
| Problem-loan coverage | 90 (stronger) | 89 |
| Peer percentile | 53rd | 61st |
| Total assets | $1.4B | $854.1M |
| Deposits / shares | $1.2B | $679.8M |
| Capital ratio | 8.62% | 12.61% (stronger) |
| Problem loans | 0.52% (stronger) | 0.85% |
| Net charge-offs | 0.10% | 0.05% (stronger) |
| Return on assets | 2.37% (stronger) | 1.67% |
| Loans ÷ deposits | 91.9% (stronger) | 103.6% |
| Uninsured deposits | 26.3% | 19.7% (stronger) |
| Offices | 13 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 11.5% |
Focus Bank has the higher TellerScore (75 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Fm Bank And Trust leads on 3 and Focus Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.