Side-by-side · Q2 2026 data
Consumers National Bank vs Guardian Savings Bank
Metric by metric
| Measure | Consumers National Bank | Guardian Savings Bank |
|---|---|---|
| TellerScore | 65 | 83 (stronger) |
| Capital cushion | 34 | 64 (stronger) |
| Loan quality | 98 (stronger) | 93 |
| Earnings | 58 | 100 (stronger) |
| Funding & liquidity | 57 | 72 (stronger) |
| Problem-loan coverage | 99 (stronger) | 97 |
| Peer percentile | 36th | 94th |
| Total assets | $1.3B | $1.4B |
| Deposits / shares | $1.1B | $1.2B |
| Capital ratio | 8.35% | 11.39% (stronger) |
| Problem loans | 0.07% (stronger) | 0.20% |
| Net charge-offs | 0.00% | -0.00% (stronger) |
| Return on assets | 0.95% | 2.00% (stronger) |
| Loans ÷ deposits | 82.9% (stronger) | 88.1% |
| Uninsured deposits | 33.0% | 13.7% (stronger) |
| Offices | 23 | 13 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.1% | 11.5% |
Guardian Savings Bank has the higher TellerScore (83 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Consumers National Bank leads on 2 and Guardian Savings Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.