Side-by-side · Q2 2026 data
State Bank of Southwest Missouri vs F&M Bank and Trust Company
Metric by metric
| Measure | State Bank of Southwest Missouri | F&M Bank and Trust Company |
|---|---|---|
| TellerScore | 64 | 66 (stronger) |
| Capital cushion | 25 | 52 (stronger) |
| Loan quality | 100 (stronger) | 72 |
| Earnings | 67 (stronger) | 56 |
| Funding & liquidity | 51 | 85 (stronger) |
| Problem-loan coverage | 100 (stronger) | 87 |
| Peer percentile | 26th | 31st |
| Total assets | $183.8M | $182.4M |
| Deposits / shares | $164.0M | $164.3M |
| Capital ratio | 7.49% | 10.20% (stronger) |
| Problem loans | 0.00% (stronger) | 0.85% |
| Net charge-offs | 0.00% | -0.00% (stronger) |
| Return on assets | 1.17% (stronger) | 0.90% |
| Loans ÷ deposits | 92.7% | 75.0% (stronger) |
| Uninsured deposits | 30.2% | 14.2% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.4% | — |
F&M Bank and Trust Company has the higher TellerScore (66 vs 64). On the 7 directional measures above (where higher or lower is clearly better), State Bank of Southwest Missouri leads on 2 and F&M Bank and Trust Company on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.