Side-by-side · Q2 2026 data
Guardian Bank vs Community Bank of Georgia
Metric by metric
| Measure | Guardian Bank | Community Bank of Georgia |
|---|---|---|
| TellerScore | 65 | 74 (stronger) |
| Capital cushion | 65 (stronger) | 60 |
| Loan quality | 50 | 65 (stronger) |
| Earnings | 82 | 94 (stronger) |
| Funding & liquidity | 60 | 83 (stronger) |
| Problem-loan coverage | 80 | 87 (stronger) |
| Peer percentile | 29th | 57th |
| Total assets | $597.9M | $269.5M |
| Deposits / shares | $524.3M | $239.6M |
| Capital ratio | 11.55% (stronger) | 10.99% |
| Problem loans | 1.49% | 1.05% (stronger) |
| Net charge-offs | 0.03% (stronger) | 0.10% |
| Return on assets | 1.54% | 1.85% (stronger) |
| Loans ÷ deposits | 68.5% (stronger) | 77.1% |
| Uninsured deposits | 43.2% | 14.8% (stronger) |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.3% | — |
Community Bank of Georgia has the higher TellerScore (74 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Guardian Bank leads on 3 and Community Bank of Georgia on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.