Side-by-side · Q2 2026 data
First Port City Bank vs Guardian Bank
Metric by metric
| Measure | First Port City Bank | Guardian Bank |
|---|---|---|
| TellerScore | 66 (stronger) | 65 |
| Capital cushion | 55 | 65 (stronger) |
| Loan quality | 65 (stronger) | 50 |
| Earnings | 83 (stronger) | 82 |
| Funding & liquidity | 52 | 60 (stronger) |
| Problem-loan coverage | 84 (stronger) | 80 |
| Peer percentile | 31st | 29th |
| Total assets | $623.9M | $597.9M |
| Deposits / shares | $557.5M | $524.3M |
| Capital ratio | 10.49% | 11.55% (stronger) |
| Problem loans | 1.04% (stronger) | 1.49% |
| Net charge-offs | 0.09% | 0.03% (stronger) |
| Return on assets | 1.56% (stronger) | 1.54% |
| Loans ÷ deposits | 86.6% | 68.5% (stronger) |
| Uninsured deposits | 34.9% (stronger) | 43.2% |
| Offices | 5 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 1.3% |
First Port City Bank has the higher TellerScore (66 vs 65). On the 7 directional measures above (where higher or lower is clearly better), First Port City Bank leads on 4 and Guardian Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.