Side-by-side · Q2 2026 data
Farmers and Merchants Bank vs Access Bank
Metric by metric
| Measure | Farmers and Merchants Bank | Access Bank |
|---|---|---|
| TellerScore | 78 (stronger) | 65 |
| Capital cushion | 56 | 57 (stronger) |
| Loan quality | 100 (stronger) | 83 |
| Earnings | 56 | 68 (stronger) |
| Funding & liquidity | 99 (stronger) | 29 |
| Problem-loan coverage | 100 (stronger) | 93 |
| Peer percentile | 86th | 36th |
| Total assets | $1.1B | $1.1B |
| Deposits / shares | $885.6M | $905.3M |
| Capital ratio | 10.64% | 10.65% (stronger) |
| Problem loans | 0.00% (stronger) | 0.51% |
| Net charge-offs | -0.00% (stronger) | 0.08% |
| Return on assets | 0.89% | 1.19% (stronger) |
| Loans ÷ deposits | 26.2% (stronger) | 88.9% |
| Uninsured deposits | 16.0% (stronger) | 52.8% |
| Offices | 12 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.7% | 2.2% |
Farmers and Merchants Bank has the higher TellerScore (78 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants Bank leads on 5 and Access Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.