Side-by-side · Q2 2026 data
Patterson State Bank vs Guaranty Bank and Trust Company
Metric by metric
| Measure | Patterson State Bank | Guaranty Bank and Trust Company |
|---|---|---|
| TellerScore | 50 | 58 (stronger) |
| Capital cushion | 39 | 88 (stronger) |
| Loan quality | 41 (stronger) | 0 |
| Earnings | 45 | 71 (stronger) |
| Funding & liquidity | 79 (stronger) | 73 |
| Problem-loan coverage | 73 (stronger) | 61 |
| Peer percentile | 7th | 16th |
| Total assets | $330.7M | $318.5M |
| Deposits / shares | $296.3M | $274.8M |
| Capital ratio | 8.92% | 13.82% (stronger) |
| Problem loans | 1.78% (stronger) | 3.99% |
| Net charge-offs | 0.36% | 0.01% (stronger) |
| Return on assets | 0.61% | 1.28% (stronger) |
| Loans ÷ deposits | 64.2% (stronger) | 79.2% |
| Uninsured deposits | 30.4% | 22.3% (stronger) |
| Offices | 3 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 5.8% |
Guaranty Bank and Trust Company has the higher TellerScore (58 vs 50). On the 7 directional measures above (where higher or lower is clearly better), Patterson State Bank leads on 2 and Guaranty Bank and Trust Company on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.