Side-by-side · Q2 2026 data
Citizens Bank & Trust Company 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 | Citizens Bank & Trust Company | Guaranty Bank & Trust Company of Delhi, Louisiana |
|---|---|---|
| TellerScore | 68 (stronger) | 56 |
| Capital cushion | 69 (stronger) | 35 |
| Loan quality | 73 (stronger) | 57 |
| Earnings | 64 | 78 (stronger) |
| Funding & liquidity | 46 | 58 (stronger) |
| Problem-loan coverage | 89 (stronger) | 73 |
| Peer percentile | 37th | 13th |
| Total assets | $480.8M | $457.4M |
| Deposits / shares | $405.4M | $411.6M |
| Capital ratio | 11.93% (stronger) | 8.50% |
| Problem loans | 0.82% (stronger) | 1.29% |
| Net charge-offs | 0.09% (stronger) | 0.49% |
| Return on assets | 1.09% | 1.45% (stronger) |
| Loans ÷ deposits | 88.7% | 80.4% (stronger) |
| Uninsured deposits | 37.8% | 34.3% (stronger) |
| Offices | 6 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.3% | 2.0% |
Citizens Bank & Trust Company has the higher TellerScore (68 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank & Trust Company leads on 4 and Guaranty Bank & Trust Company of Delhi, Louisiana on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.