Side-by-side · Q2 2026 data
Security Bank vs F&M Bank
Metric by metric
| Measure | Security Bank | F&M Bank |
|---|---|---|
| TellerScore | 81 (stronger) | 71 |
| Capital cushion | 68 (stronger) | 50 |
| Loan quality | 95 (stronger) | 88 |
| Earnings | 100 (stronger) | 70 |
| Funding & liquidity | 50 | 68 (stronger) |
| Problem-loan coverage | 98 (stronger) | 95 |
| Peer percentile | 80th | 47th |
| Total assets | $939.0M | $915.3M |
| Deposits / shares | $827.5M | $799.0M |
| Capital ratio | 11.84% (stronger) | 10.00% |
| Problem loans | 0.15% (stronger) | 0.36% |
| Net charge-offs | 0.02% (stronger) | 1.85% |
| Return on assets | 2.18% (stronger) | 1.24% |
| Loans ÷ deposits | 91.8% | 81.1% (stronger) |
| Uninsured deposits | 31.8% | 25.1% (stronger) |
| Offices | 1 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.4% | 3.9% |
Security Bank has the higher TellerScore (81 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Security Bank leads on 5 and F&M Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.