Side-by-side · Q2 2026 data
Guardian Savings Bank vs Whitaker Bank
Metric by metric
| Measure | Guardian Savings Bank | Whitaker Bank |
|---|---|---|
| TellerScore | 83 | 84 (stronger) |
| Capital cushion | 64 | 79 (stronger) |
| Loan quality | 93 | 93 |
| Earnings | 100 (stronger) | 77 |
| Funding & liquidity | 72 | 80 (stronger) |
| Problem-loan coverage | 97 | 98 (stronger) |
| Peer percentile | 94th | 95th |
| Total assets | $1.4B | $1.9B |
| Deposits / shares | $1.2B | $1.6B |
| Capital ratio | 11.39% | 12.89% (stronger) |
| Problem loans | 0.20% (stronger) | 0.21% |
| Net charge-offs | -0.00% (stronger) | 0.06% |
| Return on assets | 2.00% (stronger) | 1.42% |
| Loans ÷ deposits | 88.1% | 67.3% (stronger) |
| Uninsured deposits | 13.7% (stronger) | 26.8% |
| Offices | 13 | 44 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.5% | — |
Whitaker Bank has the higher TellerScore (84 vs 83). On the 7 directional measures above (where higher or lower is clearly better), Guardian Savings Bank leads on 4 and Whitaker Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.