Side-by-side · Q2 2026 data
Liberty Bank vs F&M Bank and Trust Company
Metric by metric
| Measure | Liberty Bank | F&M Bank and Trust Company |
|---|---|---|
| TellerScore | 86 (stronger) | 66 |
| Capital cushion | 72 (stronger) | 52 |
| Loan quality | 95 (stronger) | 72 |
| Earnings | 87 (stronger) | 56 |
| Funding & liquidity | 90 (stronger) | 85 |
| Problem-loan coverage | 99 (stronger) | 87 |
| Peer percentile | 90th | 31st |
| Total assets | $193.9M | $182.4M |
| Deposits / shares | $167.4M | $164.3M |
| Capital ratio | 12.21% (stronger) | 10.20% |
| Problem loans | 0.14% (stronger) | 0.85% |
| Net charge-offs | 0.02% | -0.00% (stronger) |
| Return on assets | 1.67% (stronger) | 0.90% |
| Loans ÷ deposits | 70.5% (stronger) | 75.0% |
| Uninsured deposits | 10.1% (stronger) | 14.2% |
| Offices | 6 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Liberty Bank has the higher TellerScore (86 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Liberty Bank leads on 6 and F&M Bank and Trust Company on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.