Side-by-side · Q2 2026 data
Dayspring Bank vs Access Bank
Metric by metric
| Measure | Dayspring Bank | Access Bank |
|---|---|---|
| TellerScore | 58 | 65 (stronger) |
| Capital cushion | 57 | 57 |
| Loan quality | 42 | 83 (stronger) |
| Earnings | 62 | 68 (stronger) |
| Funding & liquidity | 68 (stronger) | 29 |
| Problem-loan coverage | 77 | 93 (stronger) |
| Peer percentile | 17th | 36th |
| Total assets | $1.2B | $1.1B |
| Deposits / shares | $927.6M | $905.3M |
| Capital ratio | 10.71% (stronger) | 10.65% |
| Problem loans | 1.73% | 0.51% (stronger) |
| Net charge-offs | -0.04% (stronger) | 0.08% |
| Return on assets | 1.06% | 1.19% (stronger) |
| Loans ÷ deposits | 92.1% | 88.9% (stronger) |
| Uninsured deposits | 14.3% (stronger) | 52.8% |
| Offices | 6 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.6% | 2.2% |
Access Bank has the higher TellerScore (65 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Dayspring Bank leads on 3 and Access Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.