Side-by-side · Q2 2026 data
SpiritBank vs F&M Bank
Metric by metric
| Measure | SpiritBank | F&M Bank |
|---|---|---|
| TellerScore | 63 | 71 (stronger) |
| Capital cushion | 43 | 50 (stronger) |
| Loan quality | 71 | 88 (stronger) |
| Earnings | 54 | 70 (stronger) |
| Funding & liquidity | 87 (stronger) | 68 |
| Problem-loan coverage | 88 | 95 (stronger) |
| Peer percentile | 24th | 47th |
| Total assets | $912.8M | $915.3M |
| Deposits / shares | $819.2M | $799.0M |
| Capital ratio | 9.30% | 10.00% (stronger) |
| Problem loans | 0.86% | 0.36% (stronger) |
| Net charge-offs | 0.29% (stronger) | 1.85% |
| Return on assets | 0.86% | 1.24% (stronger) |
| Loans ÷ deposits | 73.7% (stronger) | 81.1% |
| Uninsured deposits | 14.6% (stronger) | 25.1% |
| Offices | 6 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.9% | 3.9% |
F&M Bank has the higher TellerScore (71 vs 63). On the 7 directional measures above (where higher or lower is clearly better), SpiritBank leads on 3 and F&M Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.