Side-by-side · Q2 2026 data
Guaranty Bank and Trust Company vs Citizens Savings Bank
Metric by metric
| Measure | Guaranty Bank and Trust Company | Citizens Savings Bank |
|---|---|---|
| TellerScore | 58 | 81 (stronger) |
| Capital cushion | 88 | 93 (stronger) |
| Loan quality | 0 | 75 (stronger) |
| Earnings | 71 | 71 |
| Funding & liquidity | 73 (stronger) | 72 |
| Problem-loan coverage | 61 | 91 (stronger) |
| Peer percentile | 16th | 80th |
| Total assets | $318.5M | $329.1M |
| Deposits / shares | $274.8M | $282.4M |
| Capital ratio | 13.82% | 14.33% (stronger) |
| Problem loans | 3.99% | 0.74% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.17% |
| Return on assets | 1.28% | 1.28% (stronger) |
| Loans ÷ deposits | 79.2% (stronger) | 87.9% |
| Uninsured deposits | 22.3% | 11.0% (stronger) |
| Offices | 7 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.8% | 6.7% |
Citizens Savings Bank has the higher TellerScore (81 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Guaranty Bank and Trust Company leads on 2 and Citizens Savings Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.