Side-by-side · Q2 2026 data
Farmers & Merchants Bank vs Atlantic Union Bank
Metric by metric
| Measure | Farmers & Merchants Bank | Atlantic Union Bank |
|---|---|---|
| TellerScore | 70 | 73 (stronger) |
| Capital cushion | 41 | 64 (stronger) |
| Loan quality | 86 (stronger) | 83 |
| Earnings | 70 | 85 (stronger) |
| Funding & liquidity | 88 (stronger) | 44 |
| Problem-loan coverage | 94 | 95 (stronger) |
| Peer percentile | 58th | 83rd |
| Total assets | $1.4B | $38.0B |
| Deposits / shares | $1.3B | $30.6B |
| Capital ratio | 9.10% | 11.45% (stronger) |
| Problem loans | 0.43% (stronger) | 0.50% |
| Net charge-offs | 0.07% | 0.03% (stronger) |
| Return on assets | 1.24% | 1.62% (stronger) |
| Loans ÷ deposits | 72.6% (stronger) | 92.9% |
| Uninsured deposits | 14.1% (stronger) | 36.4% |
| Offices | 16 | 177 |
| CFPB complaints (3 yrs) | — | 133 |
| Complaints per $1B deposits | — | 4.3 |
| Mortgage denial rate (HMDA) | 3.6% | 23.3% |
Atlantic Union Bank has the higher TellerScore (73 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Farmers & Merchants Bank leads on 3 and Atlantic Union Bank on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.