Side-by-side · Q2 2026 data
The First National Bank of Elmer vs Lusitania Savings Bank
Metric by metric
| Measure | The First National Bank of Elmer | Lusitania Savings Bank |
|---|---|---|
| TellerScore | 58 | 86 (stronger) |
| Capital cushion | 50 | 100 (stronger) |
| Loan quality | 62 | 94 (stronger) |
| Earnings | 50 (stronger) | 39 |
| Funding & liquidity | 58 | 96 (stronger) |
| Problem-loan coverage | 83 | 99 (stronger) |
| Peer percentile | 16th | 90th |
| Total assets | $407.8M | $418.1M |
| Deposits / shares | $365.3M | $353.5M |
| Capital ratio | 10.00% | 14.97% (stronger) |
| Problem loans | 1.14% | 0.19% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.00% |
| Return on assets | 0.75% (stronger) | 0.48% |
| Loans ÷ deposits | 90.6% | 63.9% (stronger) |
| Uninsured deposits | 25.7% | 7.3% (stronger) |
| Offices | 6 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 22.5% | 6.3% |
Lusitania Savings Bank has the higher TellerScore (86 vs 58). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Elmer leads on 2 and Lusitania Savings Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.