The finite-Larmor-radius modification of the Suydam criterion involves a competition between stabilizing finite-Larmor-radius effects and destabilizing curvature. In the case of the toroidal calculation, corresponding to the Mercier criterion, ballooning effects from regions of unfavourable curvature must be taken into account. In the case of a model equilibrium, valid near the magnetic axis, a complete solution is obtained. Results indicate that the amount of finite-Larmor-radius stabilization needed to overcome the effects of unfavourable average curvature increases as a function of the toroidal ballooning parameter.