Side-by-side · Q2 2026 data
Oakstar Bank vs Guaranty Bank
Metric by metric
| Measure | Oakstar Bank | Guaranty Bank |
|---|---|---|
| TellerScore | 69 (stronger) | 68 |
| Capital cushion | 48 | 73 (stronger) |
| Loan quality | 84 (stronger) | 71 |
| Earnings | 79 (stronger) | 58 |
| Funding & liquidity | 56 (stronger) | 50 |
| Problem-loan coverage | 92 | 92 |
| Peer percentile | 53rd | 49th |
| Total assets | $3.3B | $2.4B |
| Deposits / shares | $2.8B | $1.9B |
| Capital ratio | 9.79% | 12.34% (stronger) |
| Problem loans | 0.48% (stronger) | 0.88% |
| Net charge-offs | 0.08% | 0.00% (stronger) |
| Return on assets | 1.48% (stronger) | 0.95% |
| Loans ÷ deposits | 100.5% | 96.1% (stronger) |
| Uninsured deposits | 18.5% (stronger) | 27.7% |
| Offices | 23 | 13 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.7% | 3.5% |
Oakstar Bank has the higher TellerScore (69 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Oakstar Bank leads on 4 and Guaranty Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.