Side-by-side · Q2 2026 data
Community Bank of Pickens County vs Guardian Bank
Metric by metric
| Measure | Community Bank of Pickens County | Guardian Bank |
|---|---|---|
| TellerScore | 73 (stronger) | 65 |
| Capital cushion | 86 (stronger) | 65 |
| Loan quality | 35 | 50 (stronger) |
| Earnings | 100 (stronger) | 82 |
| Funding & liquidity | 69 (stronger) | 60 |
| Problem-loan coverage | 78 | 80 (stronger) |
| Peer percentile | 53rd | 29th |
| Total assets | $628.6M | $597.9M |
| Deposits / shares | $537.8M | $524.3M |
| Capital ratio | 13.55% (stronger) | 11.55% |
| Problem loans | 1.96% | 1.49% (stronger) |
| Net charge-offs | -0.04% (stronger) | 0.03% |
| Return on assets | 2.35% (stronger) | 1.54% |
| Loans ÷ deposits | 90.0% | 68.5% (stronger) |
| Uninsured deposits | 16.2% (stronger) | 43.2% |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | 1.3% |
Community Bank of Pickens County has the higher TellerScore (73 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Community Bank of Pickens County leads on 5 and Guardian Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.