Side-by-side · Q2 2026 data
Guaranty State Bank and Trust Company vs Golden Belt Bank, FSA
Metric by metric
| Measure | Guaranty State Bank and Trust Company | Golden Belt Bank, FSA |
|---|---|---|
| TellerScore | 72 (stronger) | 68 |
| Capital cushion | 66 (stronger) | 51 |
| Loan quality | 80 | 86 (stronger) |
| Earnings | 62 | 66 (stronger) |
| Funding & liquidity | 69 (stronger) | 62 |
| Problem-loan coverage | 93 (stronger) | 91 |
| Peer percentile | 50th | 37th |
| Total assets | $381.4M | $373.5M |
| Deposits / shares | $324.6M | $285.2M |
| Capital ratio | 11.60% (stronger) | 10.07% |
| Problem loans | 0.60% | 0.41% (stronger) |
| Net charge-offs | -0.01% (stronger) | -0.00% |
| Return on assets | 1.05% | 1.15% (stronger) |
| Loans ÷ deposits | 79.0% (stronger) | 97.4% |
| Uninsured deposits | 26.1% | 16.0% (stronger) |
| Offices | 8 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Guaranty State Bank and Trust Company has the higher TellerScore (72 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Guaranty State Bank and Trust Company leads on 4 and Golden Belt Bank, FSA on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.