Side-by-side · Q2 2026 data
Bank of the Bluegrass and Trust Company vs Guardian Savings Bank
Metric by metric
| Measure | Bank of the Bluegrass and Trust Company | Guardian Savings Bank |
|---|---|---|
| TellerScore | 75 | 83 (stronger) |
| Capital cushion | 58 | 64 (stronger) |
| Loan quality | 99 (stronger) | 93 |
| Earnings | 74 | 100 (stronger) |
| Funding & liquidity | 52 | 72 (stronger) |
| Problem-loan coverage | 100 (stronger) | 97 |
| Peer percentile | 61st | 94th |
| Total assets | $407.0M | $1.4B |
| Deposits / shares | $346.0M | $1.2B |
| Capital ratio | 10.80% | 11.39% (stronger) |
| Problem loans | 0.03% (stronger) | 0.20% |
| Net charge-offs | 0.00% | -0.00% (stronger) |
| Return on assets | 1.35% | 2.00% (stronger) |
| Loans ÷ deposits | 87.7% (stronger) | 88.1% |
| Uninsured deposits | 33.7% | 13.7% (stronger) |
| Offices | 4 | 13 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.7% | 11.5% |
Guardian Savings Bank has the higher TellerScore (83 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Bank of the Bluegrass and Trust Company leads on 2 and Guardian Savings Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.