Side-by-side · Q2 2026 data
First Guaranty Bank vs b1BANK
Metric by metric
| Measure | First Guaranty Bank | b1BANK |
|---|---|---|
| TellerScore | 38 | 59 (stronger) |
| Capital cushion | 21 | 59 (stronger) |
| Loan quality | 23 | 58 (stronger) |
| Earnings | 35 | 69 (stronger) |
| Funding & liquidity | 89 (stronger) | 34 |
| Problem-loan coverage | 52 | 81 (stronger) |
| Peer percentile | 1st | 19th |
| Total assets | $3.9B | $8.9B |
| Deposits / shares | $3.5B | $7.3B |
| Capital ratio | 7.09% | 10.91% (stronger) |
| Problem loans | 2.30% | 1.26% (stronger) |
| Net charge-offs | 1.22% | 0.12% (stronger) |
| Return on assets | 0.39% | 1.23% (stronger) |
| Loans ÷ deposits | 50.0% (stronger) | 90.8% |
| Uninsured deposits | 25.3% (stronger) | 46.7% |
| Offices | 25 | 56 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.4% | 7.0% |
b1BANK has the higher TellerScore (59 vs 38). On the 7 directional measures above (where higher or lower is clearly better), First Guaranty Bank leads on 2 and b1BANK on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.