Side-by-side · Q2 2026 data
GNBank, National Association vs F&M Bank
Metric by metric
| Measure | GNBank, National Association | F&M Bank |
|---|---|---|
| TellerScore | 80 | 83 (stronger) |
| Capital cushion | 66 | 66 |
| Loan quality | 96 | 100 (stronger) |
| Earnings | 81 (stronger) | 78 |
| Funding & liquidity | 67 | 81 (stronger) |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 90th | 84th |
| Total assets | $1.1B | $135.3M |
| Deposits / shares | $851.1M | $115.1M |
| Capital ratio | 11.56% | 11.63% (stronger) |
| Problem loans | 0.13% | 0.00% (stronger) |
| Net charge-offs | 0.05% | -0.01% (stronger) |
| Return on assets | 1.52% (stronger) | 1.46% |
| Loans ÷ deposits | 84.7% | 48.2% (stronger) |
| Uninsured deposits | 22.6% (stronger) | 32.2% |
| Offices | 13 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.7% | — |
F&M Bank has the higher TellerScore (83 vs 80). On the 7 directional measures above (where higher or lower is clearly better), GNBank, National Association leads on 2 and F&M Bank on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.