I can't see your point of view. Total War has many more unit types, more stats on each unit, more features, more mechanics (like magic and settlement building), it's much bigger and far more complex to balance. Just think of all the different unit abilities. Not to even mention formations, and settlement/unit modifiers (total war has non-factions NPCs running around too). Honestly, its not even close. Total War has 10x more going on than Bannerlord.
Also, Total War generals are similar to a clans in Bannerlord. In both games a factions power is the summary of all its holdings and generals/clans. Its actually very similar:
Total War factions have Generals with armies / Bannerlord factions have clans with armies.
Total War generals operate independently, assist in the gains of the faction / Banner lord clans operate independently, assist in the gains of the faction.
There are differences for sure, but Bannerlord currently doesn't really fleshout those differences, like effect of relationships.
I guess we'll just have to agree to disagree.