Side-by-side · Q2 2026 data
Peoples Exchange Bank vs Guardian Savings Bank
Metric by metric
| Measure | Peoples Exchange Bank | Guardian Savings Bank |
|---|---|---|
| TellerScore | 71 | 83 (stronger) |
| Capital cushion | 50 | 64 (stronger) |
| Loan quality | 98 (stronger) | 93 |
| Earnings | 71 | 100 (stronger) |
| Funding & liquidity | 50 | 72 (stronger) |
| Problem-loan coverage | 97 | 97 |
| Peer percentile | 47th | 94th |
| Total assets | $609.8M | $1.4B |
| Deposits / shares | $522.7M | $1.2B |
| Capital ratio | 9.97% | 11.39% (stronger) |
| Problem loans | 0.06% (stronger) | 0.20% |
| Net charge-offs | 0.02% | -0.00% (stronger) |
| Return on assets | 1.26% | 2.00% (stronger) |
| Loans ÷ deposits | 98.0% | 88.1% (stronger) |
| Uninsured deposits | 26.5% | 13.7% (stronger) |
| Offices | 8 | 13 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 15.2% | 11.5% |
Guardian Savings Bank has the higher TellerScore (83 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Peoples Exchange Bank leads on 1 and Guardian Savings Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.