Side-by-side · Q2 2026 data
Great Oaks Bank vs F&M Bank
Metric by metric
| Measure | Great Oaks Bank | F&M Bank |
|---|---|---|
| TellerScore | 76 | 88 (stronger) |
| Capital cushion | 53 | 99 (stronger) |
| Loan quality | 97 (stronger) | 87 |
| Earnings | 77 (stronger) | 76 |
| Funding & liquidity | 73 | 75 (stronger) |
| Problem-loan coverage | 99 (stronger) | 96 |
| Peer percentile | 64th | 92nd |
| Total assets | $422.0M | $419.9M |
| Deposits / shares | $374.4M | $356.8M |
| Capital ratio | 10.25% | 14.93% (stronger) |
| Problem loans | 0.10% (stronger) | 0.38% |
| Net charge-offs | -0.01% (stronger) | 0.00% |
| Return on assets | 1.42% (stronger) | 1.40% |
| Loans ÷ deposits | 73.2% (stronger) | 77.3% |
| Uninsured deposits | 27.4% | 22.2% (stronger) |
| Offices | 6 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.7% | — |
F&M Bank has the higher TellerScore (88 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Great Oaks Bank leads on 4 and F&M Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.