Side-by-side · Q2 2026 data
Guaranty State Bank and Trust Company vs Mutual Savings Association
Metric by metric
| Measure | Guaranty State Bank and Trust Company | Mutual Savings Association |
|---|---|---|
| TellerScore | 72 | 80 (stronger) |
| Capital cushion | 66 | 100 (stronger) |
| Loan quality | 80 (stronger) | 63 |
| Earnings | 62 | 84 (stronger) |
| Funding & liquidity | 69 (stronger) | 53 |
| Problem-loan coverage | 93 | 93 |
| Peer percentile | 50th | 77th |
| Total assets | $381.4M | $398.6M |
| Deposits / shares | $324.6M | $255.7M |
| Capital ratio | 11.60% | 23.84% (stronger) |
| Problem loans | 0.60% (stronger) | 1.11% |
| Net charge-offs | -0.01% | -0.01% (stronger) |
| Return on assets | 1.05% | 1.60% (stronger) |
| Loans ÷ deposits | 79.0% (stronger) | 107.2% |
| Uninsured deposits | 26.1% | 11.6% (stronger) |
| Offices | 8 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Mutual Savings Association has the higher TellerScore (80 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Guaranty State Bank and Trust Company leads on 2 and Mutual Savings Association on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.