Side-by-side · Q2 2026 data
First State Bank vs Guaranty Bank Inc.
Metric by metric
| Measure | First State Bank | Guaranty Bank Inc. |
|---|---|---|
| TellerScore | 70 (stronger) | 54 |
| Capital cushion | 55 | 86 (stronger) |
| Loan quality | 71 (stronger) | 17 |
| Earnings | 64 (stronger) | 31 |
| Funding & liquidity | 89 (stronger) | 69 |
| Problem-loan coverage | 91 (stronger) | 73 |
| Peer percentile | 58th | 10th |
| Total assets | $1.2B | $152.4M |
| Deposits / shares | $1.1B | $126.4M |
| Capital ratio | 10.47% | 13.62% (stronger) |
| Problem loans | 0.86% (stronger) | 2.48% |
| Net charge-offs | 0.03% (stronger) | 0.08% |
| Return on assets | 1.10% (stronger) | 0.27% |
| Loans ÷ deposits | 51.5% (stronger) | 91.1% |
| Uninsured deposits | 25.0% | 6.7% (stronger) |
| Offices | 17 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First State Bank has the higher TellerScore (70 vs 54). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 5 and Guaranty Bank Inc. on 2. 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.