Side-by-side · Q2 2026 data
Royal Bank vs Farmers and Merchants Union Bank
Metric by metric
| Measure | Royal Bank | Farmers and Merchants Union Bank |
|---|---|---|
| TellerScore | 79 (stronger) | 78 |
| Capital cushion | 55 (stronger) | 50 |
| Loan quality | 98 (stronger) | 95 |
| Earnings | 79 | 91 (stronger) |
| Funding & liquidity | 83 (stronger) | 76 |
| Problem-loan coverage | 99 (stronger) | 96 |
| Peer percentile | 75th | 72nd |
| Total assets | $816.1M | $872.1M |
| Deposits / shares | $723.1M | $751.9M |
| Capital ratio | 10.53% (stronger) | 9.97% |
| Problem loans | 0.06% (stronger) | 0.15% |
| Net charge-offs | 0.01% | -0.05% (stronger) |
| Return on assets | 1.48% | 1.76% (stronger) |
| Loans ÷ deposits | 76.8% (stronger) | 84.5% |
| Uninsured deposits | 11.9% (stronger) | 14.6% |
| Offices | 21 | 13 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.0% | 9.1% |
Royal Bank has the higher TellerScore (79 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Royal Bank leads on 5 and Farmers and Merchants Union Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.