Side-by-side · Q2 2026 data
The Four County Bank vs F & M Bank and Trust Company
Metric by metric
| Measure | The Four County Bank | F & M Bank and Trust Company |
|---|---|---|
| TellerScore | 87 (stronger) | 69 |
| Capital cushion | 88 (stronger) | 52 |
| Loan quality | 77 | 83 (stronger) |
| Earnings | 98 (stronger) | 55 |
| Funding & liquidity | 83 (stronger) | 81 |
| Problem-loan coverage | 94 (stronger) | 92 |
| Peer percentile | 84th | 37th |
| Total assets | $87.1M | $87.4M |
| Deposits / shares | $75.4M | $77.2M |
| Capital ratio | 13.83% (stronger) | 10.17% |
| Problem loans | 0.68% | 0.52% (stronger) |
| Net charge-offs | 0.46% | -0.00% (stronger) |
| Return on assets | 1.94% (stronger) | 0.88% |
| Loans ÷ deposits | 77.5% (stronger) | 79.6% |
| Uninsured deposits | 9.7% (stronger) | 13.3% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Four County Bank has the higher TellerScore (87 vs 69). On the 7 directional measures above (where higher or lower is clearly better), The Four County Bank leads on 5 and F & M Bank and Trust Company on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.