Side-by-side · Q2 2026 data
Peoples Bank & Trust vs Guardian Bank
Metric by metric
| Measure | Peoples Bank & Trust | Guardian Bank |
|---|---|---|
| TellerScore | 76 (stronger) | 65 |
| Capital cushion | 58 | 65 (stronger) |
| Loan quality | 95 (stronger) | 50 |
| Earnings | 77 | 82 (stronger) |
| Funding & liquidity | 66 (stronger) | 60 |
| Problem-loan coverage | 98 (stronger) | 80 |
| Peer percentile | 64th | 29th |
| Total assets | $563.3M | $597.9M |
| Deposits / shares | $505.0M | $524.3M |
| Capital ratio | 10.81% | 11.55% (stronger) |
| Problem loans | 0.16% (stronger) | 1.49% |
| Net charge-offs | 0.00% (stronger) | 0.03% |
| Return on assets | 1.41% | 1.54% (stronger) |
| Loans ÷ deposits | 57.9% (stronger) | 68.5% |
| Uninsured deposits | 45.5% | 43.2% (stronger) |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 1.3% |
Peoples Bank & Trust has the higher TellerScore (76 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Peoples Bank & Trust leads on 4 and Guardian Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.