Side-by-side · Q2 2026 data
Vision Bank vs F&M Bank
Metric by metric
| Measure | Vision Bank | F&M Bank |
|---|---|---|
| TellerScore | 47 | 71 (stronger) |
| Capital cushion | 42 | 50 (stronger) |
| Loan quality | 14 | 88 (stronger) |
| Earnings | 71 (stronger) | 70 |
| Funding & liquidity | 71 (stronger) | 68 |
| Problem-loan coverage | 57 | 95 (stronger) |
| Peer percentile | 5th | 47th |
| Total assets | $999.6M | $915.3M |
| Deposits / shares | $836.0M | $799.0M |
| Capital ratio | 9.20% | 10.00% (stronger) |
| Problem loans | 2.59% | 0.36% (stronger) |
| Net charge-offs | 0.02% (stronger) | 1.85% |
| Return on assets | 1.29% (stronger) | 1.24% |
| Loans ÷ deposits | 82.9% | 81.1% (stronger) |
| Uninsured deposits | 20.4% (stronger) | 25.1% |
| Offices | 10 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 3.9% |
F&M Bank has the higher TellerScore (71 vs 47). On the 7 directional measures above (where higher or lower is clearly better), Vision Bank leads on 3 and F&M Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.