Side-by-side · Q2 2026 data
Wahoo State Bank vs F&M Bank
Metric by metric
| Measure | Wahoo State Bank | F&M Bank |
|---|---|---|
| TellerScore | 66 | 83 (stronger) |
| Capital cushion | 40 | 68 (stronger) |
| Loan quality | 100 (stronger) | 98 |
| Earnings | 51 | 93 (stronger) |
| Funding & liquidity | 58 | 62 (stronger) |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 31st | 84th |
| Total assets | $116.5M | $354.6M |
| Deposits / shares | $91.7M | $311.6M |
| Capital ratio | 9.03% | 11.76% (stronger) |
| Problem loans | 0.00% (stronger) | 0.07% |
| Net charge-offs | 0.00% (stronger) | 0.01% |
| Return on assets | 0.78% | 1.83% (stronger) |
| Loans ÷ deposits | 89.8% (stronger) | 93.9% |
| Uninsured deposits | 26.0% | 18.5% (stronger) |
| Offices | 1 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 4.0% |
F&M Bank has the higher TellerScore (83 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Wahoo State Bank leads on 3 and F&M Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.