Side-by-side · Q2 2026 data
Guaranty State Bank and Trust Company vs Bank of Hays
Metric by metric
| Measure | Guaranty State Bank and Trust Company | Bank of Hays |
|---|---|---|
| TellerScore | 72 | 75 (stronger) |
| Capital cushion | 66 (stronger) | 50 |
| Loan quality | 80 | 84 (stronger) |
| Earnings | 62 | 81 (stronger) |
| Funding & liquidity | 69 | 86 (stronger) |
| Problem-loan coverage | 93 | 95 (stronger) |
| Peer percentile | 50th | 61st |
| Total assets | $381.4M | $379.2M |
| Deposits / shares | $324.6M | $338.0M |
| Capital ratio | 11.60% (stronger) | 9.97% |
| Problem loans | 0.60% | 0.47% (stronger) |
| Net charge-offs | -0.01% (stronger) | -0.00% |
| Return on assets | 1.05% | 1.53% (stronger) |
| Loans ÷ deposits | 79.0% | 56.8% (stronger) |
| Uninsured deposits | 26.1% (stronger) | 27.9% |
| Offices | 8 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Bank of Hays has the higher TellerScore (75 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Guaranty State Bank and Trust Company leads on 3 and Bank of Hays on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.