Side-by-side · Q2 2026 data
Stanton State Bank vs F&M Bank
Metric by metric
| Measure | Stanton State Bank | F&M Bank |
|---|---|---|
| TellerScore | 74 | 83 (stronger) |
| Capital cushion | 47 | 68 (stronger) |
| Loan quality | 92 | 98 (stronger) |
| Earnings | 71 | 93 (stronger) |
| Funding & liquidity | 89 (stronger) | 62 |
| Problem-loan coverage | 97 | 99 (stronger) |
| Peer percentile | 51st | 84th |
| Total assets | $64.8M | $354.6M |
| Deposits / shares | $58.4M | $311.6M |
| Capital ratio | 9.65% | 11.76% (stronger) |
| Problem loans | 0.24% | 0.07% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.01% |
| Return on assets | 1.28% | 1.83% (stronger) |
| Loans ÷ deposits | 63.5% (stronger) | 93.9% |
| Uninsured deposits | 22.0% | 18.5% (stronger) |
| Offices | 2 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 4.0% |
F&M Bank has the higher TellerScore (83 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Stanton State Bank leads on 2 and F&M Bank on 5. 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.