Side-by-side · Q2 2026 data
BTC Bank vs Guaranty Bank
Metric by metric
| Measure | BTC Bank | Guaranty Bank |
|---|---|---|
| TellerScore | 60 | 68 (stronger) |
| Capital cushion | 44 | 73 (stronger) |
| Loan quality | 76 (stronger) | 71 |
| Earnings | 56 | 58 (stronger) |
| Funding & liquidity | 54 (stronger) | 50 |
| Problem-loan coverage | 88 | 92 (stronger) |
| Peer percentile | 21st | 49th |
| Total assets | $1.9B | $2.4B |
| Deposits / shares | $1.4B | $1.9B |
| Capital ratio | 9.35% | 12.34% (stronger) |
| Problem loans | 0.72% (stronger) | 0.88% |
| Net charge-offs | -0.00% (stronger) | 0.00% |
| Return on assets | 0.90% | 0.95% (stronger) |
| Loans ÷ deposits | 105.8% | 96.1% (stronger) |
| Uninsured deposits | 9.8% (stronger) | 27.7% |
| Offices | 30 | 13 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.3% | 3.5% |
Guaranty Bank has the higher TellerScore (68 vs 60). On the 7 directional measures above (where higher or lower is clearly better), BTC Bank leads on 3 and Guaranty Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.