Side-by-side · Q2 2026 data
Lead Bank vs Guaranty Bank
Metric by metric
| Measure | Lead Bank | Guaranty Bank |
|---|---|---|
| TellerScore | 44 | 68 (stronger) |
| Capital cushion | 24 | 73 (stronger) |
| Loan quality | 0 | 71 (stronger) |
| Earnings | 83 (stronger) | 58 |
| Funding & liquidity | 84 (stronger) | 50 |
| Problem-loan coverage | 73 | 92 (stronger) |
| Peer percentile | 4th | 49th |
| Total assets | $2.8B | $2.4B |
| Deposits / shares | $2.5B | $1.9B |
| Capital ratio | 7.40% | 12.34% (stronger) |
| Problem loans | 3.26% | 0.88% (stronger) |
| Net charge-offs | 0.90% | 0.00% (stronger) |
| Return on assets | 1.59% (stronger) | 0.95% |
| Loans ÷ deposits | 45.0% (stronger) | 96.1% |
| Uninsured deposits | 30.0% | 27.7% (stronger) |
| Offices | 2 | 13 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 3.5% |
Guaranty Bank has the higher TellerScore (68 vs 44). On the 7 directional measures above (where higher or lower is clearly better), Lead Bank leads on 2 and Guaranty Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.