Side-by-side · Q2 2026 data
Pathway Bank vs F&M Bank
Metric by metric
| Measure | Pathway Bank | F&M Bank |
|---|---|---|
| TellerScore | 54 | 83 (stronger) |
| Capital cushion | 74 (stronger) | 68 |
| Loan quality | 0 | 98 (stronger) |
| Earnings | 83 | 93 (stronger) |
| Funding & liquidity | 60 | 62 (stronger) |
| Problem-loan coverage | 58 | 99 (stronger) |
| Peer percentile | 10th | 84th |
| Total assets | $338.1M | $354.6M |
| Deposits / shares | $245.5M | $311.6M |
| Capital ratio | 12.43% (stronger) | 11.76% |
| Problem loans | 3.85% | 0.07% (stronger) |
| Net charge-offs | 0.02% | 0.01% (stronger) |
| Return on assets | 1.57% | 1.83% (stronger) |
| Loans ÷ deposits | 97.0% | 93.9% (stronger) |
| Uninsured deposits | 17.5% (stronger) | 18.5% |
| Offices | 5 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 28.6% | 4.0% |
F&M Bank has the higher TellerScore (83 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Pathway Bank leads on 2 and F&M Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.