Side-by-side · Q2 2026 data
The First National Bank of Elmer vs Crest Savings Bank
Metric by metric
| Measure | The First National Bank of Elmer | Crest Savings Bank |
|---|---|---|
| TellerScore | 58 | 62 (stronger) |
| Capital cushion | 50 (stronger) | 39 |
| Loan quality | 62 | 100 (stronger) |
| Earnings | 50 (stronger) | 37 |
| Funding & liquidity | 58 (stronger) | 55 |
| Problem-loan coverage | 83 | 100 (stronger) |
| Peer percentile | 16th | 22nd |
| Total assets | $407.8M | $594.2M |
| Deposits / shares | $365.3M | $516.9M |
| Capital ratio | 10.00% (stronger) | 8.85% |
| Problem loans | 1.14% | 0.01% (stronger) |
| Net charge-offs | -0.00% (stronger) | -0.00% |
| Return on assets | 0.75% (stronger) | 0.43% |
| Loans ÷ deposits | 90.6% | 86.9% (stronger) |
| Uninsured deposits | 25.7% (stronger) | 31.2% |
| Offices | 6 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 22.5% | 5.1% |
Crest Savings Bank has the higher TellerScore (62 vs 58). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Elmer leads on 4 and Crest Savings Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.