Side-by-side · Q2 2026 data
Legacy Bank & Trust Company vs Guaranty Bank
Metric by metric
| Measure | Legacy Bank & Trust Company | Guaranty Bank |
|---|---|---|
| TellerScore | 64 | 68 (stronger) |
| Capital cushion | 69 | 73 (stronger) |
| Loan quality | 51 | 71 (stronger) |
| Earnings | 67 (stronger) | 58 |
| Funding & liquidity | 61 (stronger) | 50 |
| Problem-loan coverage | 80 | 92 (stronger) |
| Peer percentile | 33rd | 49th |
| Total assets | $1.8B | $2.4B |
| Deposits / shares | $1.5B | $1.9B |
| Capital ratio | 11.91% | 12.34% (stronger) |
| Problem loans | 1.47% | 0.88% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.00% |
| Return on assets | 1.17% (stronger) | 0.95% |
| Loans ÷ deposits | 94.5% (stronger) | 96.1% |
| Uninsured deposits | 19.5% (stronger) | 27.7% |
| Offices | 10 | 13 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 3.5% |
Guaranty Bank has the higher TellerScore (68 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Legacy Bank & Trust Company leads on 4 and Guaranty Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.