Side-by-side · Q2 2026 data
Bank of Cattaraugus vs Emigrant Mercantile Bank
Metric by metric
| Measure | Bank of Cattaraugus | Emigrant Mercantile Bank |
|---|---|---|
| TellerScore | 67 | 80 (stronger) |
| Capital cushion | 53 | 100 (stronger) |
| Loan quality | 61 | 100 (stronger) |
| Earnings | 64 (stronger) | 31 |
| Funding & liquidity | 94 (stronger) | 61 |
| Problem-loan coverage | 86 | 100 (stronger) |
| Peer percentile | 30th | 66th |
| Total assets | $31.0M | $3.5M |
| Deposits / shares | $27.4M | $500K |
| Capital ratio | 10.32% | 85.67% (stronger) |
| Problem loans | 1.16% | 0.00% (stronger) |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 1.10% (stronger) | 0.29% |
| Loans ÷ deposits | 64.0% | 0.0% (stronger) |
| Uninsured deposits | 16.8% (stronger) | 50.0% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Emigrant Mercantile Bank has the higher TellerScore (80 vs 67). On the 6 directional measures above (where higher or lower is clearly better), Bank of Cattaraugus leads on 2 and Emigrant Mercantile Bank on 4. 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.