Side-by-side · Q2 2026 data
Community Bank of Mississippi vs Guaranty Bank and Trust Company
Metric by metric
| Measure | Community Bank of Mississippi | Guaranty Bank and Trust Company |
|---|---|---|
| TellerScore | 64 (stronger) | 55 |
| Capital cushion | 33 | 54 (stronger) |
| Loan quality | 92 (stronger) | 33 |
| Earnings | 64 | 64 |
| Funding & liquidity | 62 | 68 (stronger) |
| Problem-loan coverage | 94 (stronger) | 73 |
| Peer percentile | 33rd | 13th |
| Total assets | $5.1B | $3.1B |
| Deposits / shares | $4.6B | $2.6B |
| Capital ratio | 8.32% | 10.42% (stronger) |
| Problem loans | 0.25% (stronger) | 2.01% |
| Net charge-offs | 0.01% (stronger) | 0.11% |
| Return on assets | 1.11% | 1.11% (stronger) |
| Loans ÷ deposits | 75.0% (stronger) | 82.1% |
| Uninsured deposits | 35.7% | 24.5% (stronger) |
| Offices | 52 | 38 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.7% | 18.4% |
Community Bank of Mississippi has the higher TellerScore (64 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Community Bank of Mississippi leads on 4 and Guaranty Bank and Trust Company on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.