Side-by-side · Q2 2026 data
First Bank of the Lake vs Guaranty Bank
Metric by metric
| Measure | First Bank of the Lake | Guaranty Bank |
|---|---|---|
| TellerScore | 26 | 68 (stronger) |
| Capital cushion | 21 | 73 (stronger) |
| Loan quality | 0 | 71 (stronger) |
| Earnings | 53 | 58 (stronger) |
| Funding & liquidity | 54 (stronger) | 50 |
| Problem-loan coverage | 13 | 92 (stronger) |
| Peer percentile | 0th | 49th |
| Total assets | $2.3B | $2.4B |
| Deposits / shares | $2.0B | $1.9B |
| Capital ratio | 7.08% | 12.34% (stronger) |
| Problem loans | 3.70% | 0.88% (stronger) |
| Net charge-offs | 0.62% | 0.00% (stronger) |
| Return on assets | 0.83% | 0.95% (stronger) |
| Loans ÷ deposits | 106.6% | 96.1% (stronger) |
| Uninsured deposits | 8.4% (stronger) | 27.7% |
| Offices | 1 | 13 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 3.5% |
Guaranty Bank has the higher TellerScore (68 vs 26). On the 7 directional measures above (where higher or lower is clearly better), First Bank of the Lake leads on 1 and Guaranty Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.