Side-by-side · Q2 2026 data
Security Bank vs F&M Bank
Metric by metric
| Measure | Security Bank | F&M Bank |
|---|---|---|
| TellerScore | 78 | 83 (stronger) |
| Capital cushion | 83 (stronger) | 68 |
| Loan quality | 79 | 98 (stronger) |
| Earnings | 74 | 93 (stronger) |
| Funding & liquidity | 62 | 62 |
| Problem-loan coverage | 93 | 99 (stronger) |
| Peer percentile | 72nd | 84th |
| Total assets | $309.9M | $354.6M |
| Deposits / shares | $269.7M | $311.6M |
| Capital ratio | 13.28% (stronger) | 11.76% |
| Problem loans | 0.63% | 0.07% (stronger) |
| Net charge-offs | 0.14% | 0.01% (stronger) |
| Return on assets | 1.34% | 1.83% (stronger) |
| Loans ÷ deposits | 83.6% (stronger) | 93.9% |
| Uninsured deposits | 27.9% | 18.5% (stronger) |
| Offices | 5 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.6% | 4.0% |
F&M Bank has the higher TellerScore (83 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Security Bank leads on 2 and F&M Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.