Side-by-side · Q2 2026 data
Premier Bank National Association vs F&M Bank
Metric by metric
| Measure | Premier Bank National Association | F&M Bank |
|---|---|---|
| TellerScore | 71 | 83 (stronger) |
| Capital cushion | 76 (stronger) | 68 |
| Loan quality | 60 | 98 (stronger) |
| Earnings | 77 | 93 (stronger) |
| Funding & liquidity | 60 | 62 (stronger) |
| Problem-loan coverage | 87 | 99 (stronger) |
| Peer percentile | 47th | 84th |
| Total assets | $342.4M | $354.6M |
| Deposits / shares | $297.1M | $311.6M |
| Capital ratio | 12.59% (stronger) | 11.76% |
| Problem loans | 1.21% | 0.07% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.01% |
| Return on assets | 1.43% | 1.83% (stronger) |
| Loans ÷ deposits | 82.3% (stronger) | 93.9% |
| Uninsured deposits | 31.2% | 18.5% (stronger) |
| Offices | 4 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 4.0% |
F&M Bank has the higher TellerScore (83 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Premier Bank National Association leads on 3 and F&M Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.