Side-by-side · Q2 2026 data
First Farmers & Merchants Bank vs Elysian Bank
Metric by metric
| Measure | First Farmers & Merchants Bank | Elysian Bank |
|---|---|---|
| TellerScore | 77 | 79 (stronger) |
| Capital cushion | 51 | 72 (stronger) |
| Loan quality | 100 (stronger) | 75 |
| Earnings | 74 | 96 (stronger) |
| Funding & liquidity | 79 (stronger) | 66 |
| Problem-loan coverage | 100 (stronger) | 91 |
| Peer percentile | 68th | 63rd |
| Total assets | $486.4M | $76.0M |
| Deposits / shares | $436.8M | $66.4M |
| Capital ratio | 10.09% | 12.25% (stronger) |
| Problem loans | 0.01% (stronger) | 0.74% |
| Net charge-offs | -0.00% (stronger) | 0.01% |
| Return on assets | 1.36% | 1.90% (stronger) |
| Loans ÷ deposits | 70.3% (stronger) | 86.9% |
| Uninsured deposits | 24.7% | 21.7% (stronger) |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.4% | — |
Elysian Bank has the higher TellerScore (79 vs 77). On the 7 directional measures above (where higher or lower is clearly better), First Farmers & Merchants Bank leads on 3 and Elysian 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.