Side-by-side · Q2 2026 data
Caldwell Bank & Trust Company vs Guaranty Bank and Trust Company
Metric by metric
| Measure | Caldwell Bank & Trust Company | Guaranty Bank and Trust Company |
|---|---|---|
| TellerScore | 41 | 58 (stronger) |
| Capital cushion | 50 | 88 (stronger) |
| Loan quality | 5 (stronger) | 0 |
| Earnings | 59 | 71 (stronger) |
| Funding & liquidity | 52 | 73 (stronger) |
| Problem-loan coverage | 55 | 61 (stronger) |
| Peer percentile | 3rd | 16th |
| Total assets | $298.6M | $318.5M |
| Deposits / shares | $257.6M | $274.8M |
| Capital ratio | 10.03% | 13.82% (stronger) |
| Problem loans | 2.86% (stronger) | 3.99% |
| Net charge-offs | 0.01% (stronger) | 0.01% |
| Return on assets | 0.98% | 1.28% (stronger) |
| Loans ÷ deposits | 87.6% | 79.2% (stronger) |
| Uninsured deposits | 34.0% | 22.3% (stronger) |
| Offices | 6 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 5.8% |
Guaranty Bank and Trust Company has the higher TellerScore (58 vs 41). On the 7 directional measures above (where higher or lower is clearly better), Caldwell Bank & Trust Company leads on 2 and Guaranty Bank and Trust Company on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.