Side-by-side · Q2 2026 data
Vallant Bank vs F&M Bank
Metric by metric
| Measure | Vallant Bank | F&M Bank |
|---|---|---|
| TellerScore | 78 | 88 (stronger) |
| Capital cushion | 77 | 99 (stronger) |
| Loan quality | 83 | 87 (stronger) |
| Earnings | 73 | 76 (stronger) |
| Funding & liquidity | 69 | 75 (stronger) |
| Problem-loan coverage | 94 | 96 (stronger) |
| Peer percentile | 86th | 92nd |
| Total assets | $4.0B | $419.9M |
| Deposits / shares | $3.5B | $356.8M |
| Capital ratio | 12.70% | 14.93% (stronger) |
| Problem loans | 0.51% | 0.38% (stronger) |
| Net charge-offs | 0.08% | 0.00% (stronger) |
| Return on assets | 1.33% | 1.40% (stronger) |
| Loans ÷ deposits | 85.2% | 77.3% (stronger) |
| Uninsured deposits | 20.6% (stronger) | 22.2% |
| Offices | 36 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
F&M Bank has the higher TellerScore (88 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Vallant Bank leads on 1 and F&M Bank on 6. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.