Side-by-side · Q2 2026 data
Guaranty State Bank and Trust Company vs ESB Financial
Metric by metric
| Measure | Guaranty State Bank and Trust Company | ESB Financial |
|---|---|---|
| TellerScore | 72 (stronger) | 59 |
| Capital cushion | 66 (stronger) | 41 |
| Loan quality | 80 (stronger) | 47 |
| Earnings | 62 | 88 (stronger) |
| Funding & liquidity | 69 (stronger) | 67 |
| Problem-loan coverage | 93 (stronger) | 75 |
| Peer percentile | 50th | 17th |
| Total assets | $381.4M | $381.3M |
| Deposits / shares | $324.6M | $335.9M |
| Capital ratio | 11.60% (stronger) | 9.07% |
| Problem loans | 0.60% (stronger) | 1.58% |
| Net charge-offs | -0.01% (stronger) | 0.02% |
| Return on assets | 1.05% | 1.69% (stronger) |
| Loans ÷ deposits | 79.0% (stronger) | 80.2% |
| Uninsured deposits | 26.1% (stronger) | 26.7% |
| Offices | 8 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 1.5% |
Guaranty State Bank and Trust Company has the higher TellerScore (72 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Guaranty State Bank and Trust Company leads on 6 and ESB Financial on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.