Side-by-side · Q2 2026 data
Academy Bank, National Association vs Guaranty Bank
Metric by metric
| Measure | Academy Bank, National Association | Guaranty Bank |
|---|---|---|
| TellerScore | 73 (stronger) | 68 |
| Capital cushion | 93 (stronger) | 73 |
| Loan quality | 65 | 71 (stronger) |
| Earnings | 62 (stronger) | 58 |
| Funding & liquidity | 49 | 50 (stronger) |
| Problem-loan coverage | 90 | 92 (stronger) |
| Peer percentile | 70th | 49th |
| Total assets | $3.2B | $2.4B |
| Deposits / shares | $2.7B | $1.9B |
| Capital ratio | 14.35% (stronger) | 12.34% |
| Problem loans | 1.05% | 0.88% (stronger) |
| Net charge-offs | 0.29% | 0.00% (stronger) |
| Return on assets | 1.05% (stronger) | 0.95% |
| Loans ÷ deposits | 91.7% (stronger) | 96.1% |
| Uninsured deposits | 32.5% | 27.7% (stronger) |
| Offices | 80 | 13 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.2% | 3.5% |
Academy Bank, National Association has the higher TellerScore (73 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Academy Bank, National Association leads on 4 and Guaranty Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.