Side-by-side · Q2 2026 data
Queensborough National Bank & Trust Company vs F&M Bank
Bank
Queensborough National Bank & Trust Company
Louisville, Georgia · $1 billion – $10 billion
Metric by metric
| Measure | Queensborough National Bank & Trust Company | F&M Bank |
|---|---|---|
| TellerScore | 62 | 88 (stronger) |
| Capital cushion | 36 | 99 (stronger) |
| Loan quality | 80 | 87 (stronger) |
| Earnings | 64 | 76 (stronger) |
| Funding & liquidity | 64 | 75 (stronger) |
| Problem-loan coverage | 91 | 96 (stronger) |
| Peer percentile | 27th | 92nd |
| Total assets | $2.3B | $419.9M |
| Deposits / shares | $2.1B | $356.8M |
| Capital ratio | 8.64% | 14.93% (stronger) |
| Problem loans | 0.59% | 0.38% (stronger) |
| Net charge-offs | 0.04% | 0.00% (stronger) |
| Return on assets | 1.09% | 1.40% (stronger) |
| Loans ÷ deposits | 67.6% (stronger) | 77.3% |
| Uninsured deposits | 41.0% | 22.2% (stronger) |
| Offices | 24 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.8% | — |
F&M Bank has the higher TellerScore (88 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Queensborough National Bank & Trust Company leads on 1 and F&M Bank on 6. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.