Side-by-side · Q2 2026 data
First Farmers & Merchants Bank vs Vermillion State Bank
Metric by metric
| Measure | First Farmers & Merchants Bank | Vermillion State Bank |
|---|---|---|
| TellerScore | 77 | 90 (stronger) |
| Capital cushion | 51 | 84 (stronger) |
| Loan quality | 100 (stronger) | 92 |
| Earnings | 74 | 100 (stronger) |
| Funding & liquidity | 79 | 83 (stronger) |
| Problem-loan coverage | 100 (stronger) | 97 |
| Peer percentile | 68th | 95th |
| Total assets | $486.4M | $931.4M |
| Deposits / shares | $436.8M | $806.6M |
| Capital ratio | 10.09% | 13.40% (stronger) |
| Problem loans | 0.01% (stronger) | 0.24% |
| Net charge-offs | -0.00% | -0.12% (stronger) |
| Return on assets | 1.36% | 2.56% (stronger) |
| Loans ÷ deposits | 70.3% | 51.7% (stronger) |
| Uninsured deposits | 24.7% (stronger) | 30.2% |
| Offices | 5 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.4% | 0.0% |
Vermillion State Bank has the higher TellerScore (90 vs 77). On the 7 directional measures above (where higher or lower is clearly better), First Farmers & Merchants Bank leads on 2 and Vermillion State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.