Side-by-side · Q2 2026 data
First Guaranty Bank vs Fifth District Savings Bank
Metric by metric
| Measure | First Guaranty Bank | Fifth District Savings Bank |
|---|---|---|
| TellerScore | 38 | 81 (stronger) |
| Capital cushion | 21 | 100 (stronger) |
| Loan quality | 23 | 97 (stronger) |
| Earnings | 35 (stronger) | 33 |
| Funding & liquidity | 89 (stronger) | 65 |
| Problem-loan coverage | 52 | 99 (stronger) |
| Peer percentile | 1st | 80th |
| Total assets | $3.9B | $531.8M |
| Deposits / shares | $3.5B | $414.8M |
| Capital ratio | 7.09% | 21.41% (stronger) |
| Problem loans | 2.30% | 0.09% (stronger) |
| Net charge-offs | 1.22% | 0.00% (stronger) |
| Return on assets | 0.39% (stronger) | 0.33% |
| Loans ÷ deposits | 50.0% (stronger) | 94.8% |
| Uninsured deposits | 25.3% | 9.7% (stronger) |
| Offices | 25 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.4% | 24.6% |
Fifth District Savings Bank has the higher TellerScore (81 vs 38). On the 7 directional measures above (where higher or lower is clearly better), First Guaranty Bank leads on 2 and Fifth District Savings Bank on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.