Side-by-side · Q2 2026 data
Rochelle State Bank vs F & M Bank and Trust Company
Metric by metric
| Measure | Rochelle State Bank | F & M Bank and Trust Company |
|---|---|---|
| TellerScore | 29 | 69 (stronger) |
| Capital cushion | 30 | 52 (stronger) |
| Loan quality | 0 | 83 (stronger) |
| Earnings | 27 | 55 (stronger) |
| Funding & liquidity | 70 | 81 (stronger) |
| Problem-loan coverage | 40 | 92 (stronger) |
| Peer percentile | 1st | 37th |
| Total assets | $85.6M | $87.4M |
| Deposits / shares | $76.0M | $77.2M |
| Capital ratio | 8.02% | 10.17% (stronger) |
| Problem loans | 3.40% | 0.52% (stronger) |
| Net charge-offs | 0.07% | -0.00% (stronger) |
| Return on assets | 0.17% | 0.88% (stronger) |
| Loans ÷ deposits | 85.9% | 79.6% (stronger) |
| Uninsured deposits | 19.2% | 13.3% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
F & M Bank and Trust Company has the higher TellerScore (69 vs 29). On the 7 directional measures above (where higher or lower is clearly better), Rochelle State Bank leads on 0 and F & M Bank and Trust Company on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.