Side-by-side · Q2 2026 data
First Farmers & Merchants Bank vs Eagle Rock Bank
Metric by metric
| Measure | First Farmers & Merchants Bank | Eagle Rock Bank |
|---|---|---|
| TellerScore | 77 (stronger) | 72 |
| Capital cushion | 51 | 88 (stronger) |
| Loan quality | 100 (stronger) | 69 |
| Earnings | 74 (stronger) | 67 |
| Funding & liquidity | 79 (stronger) | 43 |
| Problem-loan coverage | 100 (stronger) | 87 |
| Peer percentile | 68th | 50th |
| Total assets | $486.4M | $508.2M |
| Deposits / shares | $436.8M | $420.8M |
| Capital ratio | 10.09% | 13.80% (stronger) |
| Problem loans | 0.01% (stronger) | 0.92% |
| Net charge-offs | -0.00% (stronger) | 0.00% |
| Return on assets | 1.36% (stronger) | 1.17% |
| Loans ÷ deposits | 70.3% (stronger) | 102.4% |
| Uninsured deposits | 24.7% (stronger) | 28.3% |
| Offices | 5 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.4% | 0.0% |
First Farmers & Merchants Bank has the higher TellerScore (77 vs 72). On the 7 directional measures above (where higher or lower is clearly better), First Farmers & Merchants Bank leads on 6 and Eagle Rock Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.