Side-by-side · Q2 2026 data
The Citizens Bank of Swainsboro vs F&M Bank
Metric by metric
| Measure | The Citizens Bank of Swainsboro | F&M Bank |
|---|---|---|
| TellerScore | 82 | 88 (stronger) |
| Capital cushion | 73 | 99 (stronger) |
| Loan quality | 88 (stronger) | 87 |
| Earnings | 93 (stronger) | 76 |
| Funding & liquidity | 69 | 75 (stronger) |
| Problem-loan coverage | 96 | 96 |
| Peer percentile | 82nd | 92nd |
| Total assets | $420.5M | $419.9M |
| Deposits / shares | $365.1M | $356.8M |
| Capital ratio | 12.29% | 14.93% (stronger) |
| Problem loans | 0.36% (stronger) | 0.38% |
| Net charge-offs | 0.04% | 0.00% (stronger) |
| Return on assets | 1.83% (stronger) | 1.40% |
| Loans ÷ deposits | 80.3% | 77.3% (stronger) |
| Uninsured deposits | 24.9% | 22.2% (stronger) |
| Offices | 4 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
F&M Bank has the higher TellerScore (88 vs 82). On the 7 directional measures above (where higher or lower is clearly better), The Citizens Bank of Swainsboro leads on 2 and F&M Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.