Side-by-side · Q2 2026 data
The Farmers Bank vs F&M Bank
Metric by metric
| Measure | The Farmers Bank | F&M Bank |
|---|---|---|
| TellerScore | 77 | 88 (stronger) |
| Capital cushion | 62 | 99 (stronger) |
| Loan quality | 98 (stronger) | 87 |
| Earnings | 62 | 76 (stronger) |
| Funding & liquidity | 77 (stronger) | 75 |
| Problem-loan coverage | 99 (stronger) | 96 |
| Peer percentile | 68th | 92nd |
| Total assets | $148.3M | $419.9M |
| Deposits / shares | $132.3M | $356.8M |
| Capital ratio | 11.21% | 14.93% (stronger) |
| Problem loans | 0.05% (stronger) | 0.38% |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 1.04% | 1.40% (stronger) |
| Loans ÷ deposits | 71.8% (stronger) | 77.3% |
| Uninsured deposits | 25.3% | 22.2% (stronger) |
| Offices | 1 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
F&M Bank has the higher TellerScore (88 vs 77). On the 6 directional measures above (where higher or lower is clearly better), The Farmers Bank leads on 2 and F&M Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.