Side-by-side · Q2 2026 data
Guaranty Bank and Trust Company vs Currency Bank
Metric by metric
| Measure | Guaranty Bank and Trust Company | Currency Bank |
|---|---|---|
| TellerScore | 58 | 86 (stronger) |
| Capital cushion | 88 (stronger) | 84 |
| Loan quality | 0 | 95 (stronger) |
| Earnings | 71 | 98 (stronger) |
| Funding & liquidity | 73 (stronger) | 50 |
| Problem-loan coverage | 61 | 99 (stronger) |
| Peer percentile | 16th | 90th |
| Total assets | $318.5M | $248.5M |
| Deposits / shares | $274.8M | $203.2M |
| Capital ratio | 13.82% (stronger) | 13.38% |
| Problem loans | 3.99% | 0.14% (stronger) |
| Net charge-offs | 0.01% | -0.05% (stronger) |
| Return on assets | 1.28% | 1.95% (stronger) |
| Loans ÷ deposits | 79.2% (stronger) | 93.0% |
| Uninsured deposits | 22.3% (stronger) | 30.3% |
| Offices | 7 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.8% | — |
Currency Bank has the higher TellerScore (86 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Guaranty Bank and Trust Company leads on 3 and Currency Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.