Side-by-side · Q2 2026 data
Bank of Zachary vs Guaranty Bank & Trust Company of Delhi, Louisiana
Bank
Guaranty Bank & Trust Company of Delhi, Louisiana
Delhi, Louisiana · $100 million – $1 billion
Metric by metric
| Measure | Bank of Zachary | Guaranty Bank & Trust Company of Delhi, Louisiana |
|---|---|---|
| TellerScore | 76 (stronger) | 56 |
| Capital cushion | 69 (stronger) | 35 |
| Loan quality | 98 (stronger) | 57 |
| Earnings | 59 | 78 (stronger) |
| Funding & liquidity | 61 (stronger) | 58 |
| Problem-loan coverage | 99 (stronger) | 73 |
| Peer percentile | 64th | 13th |
| Total assets | $416.0M | $457.4M |
| Deposits / shares | $359.7M | $411.6M |
| Capital ratio | 11.92% (stronger) | 8.50% |
| Problem loans | 0.07% (stronger) | 1.29% |
| Net charge-offs | 0.16% (stronger) | 0.49% |
| Return on assets | 0.98% | 1.45% (stronger) |
| Loans ÷ deposits | 84.9% | 80.4% (stronger) |
| Uninsured deposits | 27.8% (stronger) | 34.3% |
| Offices | 5 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.1% | 2.0% |
Bank of Zachary has the higher TellerScore (76 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Bank of Zachary leads on 5 and Guaranty Bank & Trust Company of Delhi, Louisiana on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.