Side-by-side · Q2 2026 data
Pioneer Community Bank, Inc. vs Guaranty Bank Inc.
Metric by metric
| Measure | Pioneer Community Bank, Inc. | Guaranty Bank Inc. |
|---|---|---|
| TellerScore | 79 (stronger) | 54 |
| Capital cushion | 86 | 86 |
| Loan quality | 90 (stronger) | 17 |
| Earnings | 51 (stronger) | 31 |
| Funding & liquidity | 73 (stronger) | 69 |
| Problem-loan coverage | 95 (stronger) | 73 |
| Peer percentile | 75th | 10th |
| Total assets | $191.1M | $152.4M |
| Deposits / shares | $160.2M | $126.4M |
| Capital ratio | 13.58% | 13.62% (stronger) |
| Problem loans | 0.29% (stronger) | 2.48% |
| Net charge-offs | 0.02% (stronger) | 0.08% |
| Return on assets | 0.78% (stronger) | 0.27% |
| Loans ÷ deposits | 87.1% (stronger) | 91.1% |
| Uninsured deposits | 11.6% | 6.7% (stronger) |
| Offices | 6 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.0% | — |
Pioneer Community Bank, Inc. has the higher TellerScore (79 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Pioneer Community Bank, Inc. leads on 5 and Guaranty Bank Inc. on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.