Side-by-side · Q2 2026 data
The Peoples Bank of Georgia vs F & M Bank and Trust Company
Metric by metric
| Measure | The Peoples Bank of Georgia | F & M Bank and Trust Company |
|---|---|---|
| TellerScore | 71 (stronger) | 69 |
| Capital cushion | 46 | 52 (stronger) |
| Loan quality | 89 (stronger) | 83 |
| Earnings | 84 (stronger) | 55 |
| Funding & liquidity | 55 | 81 (stronger) |
| Problem-loan coverage | 94 (stronger) | 92 |
| Peer percentile | 47th | 37th |
| Total assets | $252.3M | $87.4M |
| Deposits / shares | $219.3M | $77.2M |
| Capital ratio | 9.65% | 10.17% (stronger) |
| Problem loans | 0.32% (stronger) | 0.52% |
| Net charge-offs | 0.02% | -0.00% (stronger) |
| Return on assets | 1.59% (stronger) | 0.88% |
| Loans ÷ deposits | 94.3% | 79.6% (stronger) |
| Uninsured deposits | 24.9% | 13.3% (stronger) |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.2% | — |
The Peoples Bank of Georgia has the higher TellerScore (71 vs 69). On the 7 directional measures above (where higher or lower is clearly better), The Peoples Bank of Georgia leads on 3 and F & M Bank and Trust Company on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.