Side-by-side · Q2 2026 data
FM Bank vs Highland Bank
Metric by metric
| Measure | FM Bank | Highland Bank |
|---|---|---|
| TellerScore | 66 (stronger) | 34 |
| Capital cushion | 27 | 36 (stronger) |
| Loan quality | 100 (stronger) | 16 |
| Earnings | 77 (stronger) | 22 |
| Funding & liquidity | 49 | 60 (stronger) |
| Problem-loan coverage | 97 (stronger) | 60 |
| Peer percentile | 31st | 1st |
| Total assets | $738.4M | $775.9M |
| Deposits / shares | $636.1M | $684.4M |
| Capital ratio | 7.66% | 8.58% (stronger) |
| Problem loans | 0.00% (stronger) | 2.51% |
| Net charge-offs | -0.00% (stronger) | 0.80% |
| Return on assets | 1.42% (stronger) | 0.04% |
| Loans ÷ deposits | 77.3% (stronger) | 80.2% |
| Uninsured deposits | 45.4% | 33.2% (stronger) |
| Offices | 6 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 15.5% |
FM Bank has the higher TellerScore (66 vs 34). On the 7 directional measures above (where higher or lower is clearly better), FM Bank leads on 5 and Highland Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.