Side-by-side · Q2 2026 data
Home State Bank vs F & M Community Bank, National Association
Metric by metric
| Measure | Home State Bank | F & M Community Bank, National Association |
|---|---|---|
| TellerScore | 83 (stronger) | 74 |
| Capital cushion | 68 (stronger) | 49 |
| Loan quality | 97 | 100 (stronger) |
| Earnings | 67 (stronger) | 62 |
| Funding & liquidity | 97 (stronger) | 78 |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 84th | 57th |
| Total assets | $218.9M | $211.1M |
| Deposits / shares | $194.3M | $184.4M |
| Capital ratio | 11.81% (stronger) | 9.93% |
| Problem loans | 0.08% | 0.00% (stronger) |
| Net charge-offs | 0.11% | 0.01% (stronger) |
| Return on assets | 1.18% (stronger) | 1.06% |
| Loans ÷ deposits | 62.2% (stronger) | 80.7% |
| Uninsured deposits | 16.5% (stronger) | 16.9% |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 1.1% |
Home State Bank has the higher TellerScore (83 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Home State Bank leads on 5 and F & M Community Bank, National Association on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.