Side-by-side · Q2 2026 data
Homestead Bank vs F&M Bank
Metric by metric
| Measure | Homestead Bank | F&M Bank |
|---|---|---|
| TellerScore | 91 (stronger) | 83 |
| Capital cushion | 100 (stronger) | 68 |
| Loan quality | 93 | 98 (stronger) |
| Earnings | 86 | 93 (stronger) |
| Funding & liquidity | 73 (stronger) | 62 |
| Problem-loan coverage | 98 | 99 (stronger) |
| Peer percentile | 96th | 84th |
| Total assets | $537.0M | $354.6M |
| Deposits / shares | $413.6M | $311.6M |
| Capital ratio | 18.62% (stronger) | 11.76% |
| Problem loans | 0.20% | 0.07% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.01% |
| Return on assets | 1.65% | 1.83% (stronger) |
| Loans ÷ deposits | 80.2% (stronger) | 93.9% |
| Uninsured deposits | 21.5% | 18.5% (stronger) |
| Offices | 10 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 4.0% |
Homestead Bank has the higher TellerScore (91 vs 83). On the 7 directional measures above (where higher or lower is clearly better), Homestead Bank leads on 4 and F&M Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.