Side-by-side · Q2 2026 data
Independent Correspondent Bankers' Bank, Inc. vs Guardian Savings Bank
Bank
Independent Correspondent Bankers' Bank, Inc.
Frankfort, Kentucky · $100 million – $1 billion
Metric by metric
| Measure | Independent Correspondent Bankers' Bank, Inc. | Guardian Savings Bank |
|---|---|---|
| TellerScore | 69 | 83 (stronger) |
| Capital cushion | 82 (stronger) | 64 |
| Loan quality | 67 | 93 (stronger) |
| Earnings | 49 | 100 (stronger) |
| Funding & liquidity | 55 | 72 (stronger) |
| Problem-loan coverage | 93 | 97 (stronger) |
| Peer percentile | 40th | 94th |
| Total assets | $151.4M | $1.4B |
| Deposits / shares | $82.5M | $1.2B |
| Capital ratio | 13.21% (stronger) | 11.39% |
| Problem loans | 0.99% | 0.20% (stronger) |
| Net charge-offs | -0.00% (stronger) | -0.00% |
| Return on assets | 0.73% | 2.00% (stronger) |
| Loans ÷ deposits | 98.7% | 88.1% (stronger) |
| Uninsured deposits | 21.0% | 13.7% (stronger) |
| Offices | 1 | 13 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 11.5% |
Guardian Savings Bank has the higher TellerScore (83 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Independent Correspondent Bankers' Bank, Inc. leads on 2 and Guardian Savings Bank on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.