Side-by-side · Q2 2026 data
FM Bank vs HomeTown Bank
Metric by metric
| Measure | FM Bank | HomeTown Bank |
|---|---|---|
| TellerScore | 66 (stronger) | 64 |
| Capital cushion | 27 | 33 (stronger) |
| Loan quality | 100 (stronger) | 88 |
| Earnings | 77 (stronger) | 54 |
| Funding & liquidity | 49 | 76 (stronger) |
| Problem-loan coverage | 97 (stronger) | 94 |
| Peer percentile | 31st | 26th |
| Total assets | $738.4M | $691.9M |
| Deposits / shares | $636.1M | $617.5M |
| Capital ratio | 7.66% | 8.27% (stronger) |
| Problem loans | 0.00% (stronger) | 0.37% |
| Net charge-offs | -0.00% | -0.00% (stronger) |
| Return on assets | 1.42% (stronger) | 0.85% |
| Loans ÷ deposits | 77.3% (stronger) | 82.4% |
| Uninsured deposits | 45.4% | 16.3% (stronger) |
| Offices | 6 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 4.2% |
FM Bank has the higher TellerScore (66 vs 64). On the 7 directional measures above (where higher or lower is clearly better), FM Bank leads on 4 and HomeTown Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Olivia, MN