Side-by-side · Q2 2026 data
Guardian Savings Bank vs Eclipse Bank, Inc.
Metric by metric
| Measure | Guardian Savings Bank | Eclipse Bank, Inc. |
|---|---|---|
| TellerScore | 83 (stronger) | 61 |
| Capital cushion | 64 (stronger) | 45 |
| Loan quality | 93 (stronger) | 90 |
| Earnings | 100 (stronger) | 43 |
| Funding & liquidity | 72 (stronger) | 49 |
| Problem-loan coverage | 97 (stronger) | 94 |
| Peer percentile | 94th | 20th |
| Total assets | $1.4B | $485.7M |
| Deposits / shares | $1.2B | $341.3M |
| Capital ratio | 11.39% (stronger) | 9.47% |
| Problem loans | 0.20% (stronger) | 0.31% |
| Net charge-offs | -0.00% | -0.01% (stronger) |
| Return on assets | 2.00% (stronger) | 0.58% |
| Loans ÷ deposits | 88.1% (stronger) | 120.7% |
| Uninsured deposits | 13.7% (stronger) | 16.2% |
| Offices | 13 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.5% | 8.6% |
Guardian Savings Bank has the higher TellerScore (83 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Guardian Savings Bank leads on 6 and Eclipse Bank, Inc. on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.