Side-by-side · Q2 2026 data
First Farmers & Merchants Bank vs Reliance Bank
Metric by metric
| Measure | First Farmers & Merchants Bank | Reliance Bank |
|---|---|---|
| TellerScore | 77 (stronger) | 65 |
| Capital cushion | 51 (stronger) | 40 |
| Loan quality | 100 (stronger) | 92 |
| Earnings | 74 (stronger) | 54 |
| Funding & liquidity | 79 (stronger) | 62 |
| Problem-loan coverage | 100 (stronger) | 95 |
| Peer percentile | 68th | 29th |
| Total assets | $486.4M | $334.1M |
| Deposits / shares | $436.8M | $281.6M |
| Capital ratio | 10.09% (stronger) | 8.98% |
| Problem loans | 0.01% (stronger) | 0.25% |
| Net charge-offs | -0.00% (stronger) | 0.01% |
| Return on assets | 1.36% (stronger) | 0.84% |
| Loans ÷ deposits | 70.3% (stronger) | 85.8% |
| Uninsured deposits | 24.7% (stronger) | 26.3% |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.4% | — |
First Farmers & Merchants Bank has the higher TellerScore (77 vs 65). On the 7 directional measures above (where higher or lower is clearly better), First Farmers & Merchants Bank leads on 7 and Reliance Bank on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.