Side-by-side · Q2 2026 data
First National Bank and Trust vs Guaranty State Bank and Trust Company
Metric by metric
| Measure | First National Bank and Trust | Guaranty State Bank and Trust Company |
|---|---|---|
| TellerScore | 72 | 72 |
| Capital cushion | 97 (stronger) | 66 |
| Loan quality | 38 | 80 (stronger) |
| Earnings | 75 (stronger) | 62 |
| Funding & liquidity | 64 | 69 (stronger) |
| Problem-loan coverage | 83 | 93 (stronger) |
| Peer percentile | 50th | 50th |
| Total assets | $322.2M | $381.4M |
| Deposits / shares | $259.5M | $324.6M |
| Capital ratio | 14.73% (stronger) | 11.60% |
| Problem loans | 1.87% | 0.60% (stronger) |
| Net charge-offs | 0.40% | -0.01% (stronger) |
| Return on assets | 1.37% (stronger) | 1.05% |
| Loans ÷ deposits | 85.5% | 79.0% (stronger) |
| Uninsured deposits | 24.5% (stronger) | 26.1% |
| Offices | 5 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), First National Bank and Trust leads on 3 and Guaranty State Bank and Trust Company on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Beloit, KS
- Smith Center, KS