Side-by-side · Q2 2026 data
Planters Bank & Trust Company vs Guaranty Bank and Trust Company
Metric by metric
| Measure | Planters Bank & Trust Company | Guaranty Bank and Trust Company |
|---|---|---|
| TellerScore | 71 (stronger) | 55 |
| Capital cushion | 62 (stronger) | 54 |
| Loan quality | 80 (stronger) | 33 |
| Earnings | 73 (stronger) | 64 |
| Funding & liquidity | 55 | 68 (stronger) |
| Problem-loan coverage | 93 (stronger) | 73 |
| Peer percentile | 63rd | 13th |
| Total assets | $2.7B | $3.1B |
| Deposits / shares | $2.3B | $2.6B |
| Capital ratio | 11.19% (stronger) | 10.42% |
| Problem loans | 0.61% (stronger) | 2.01% |
| Net charge-offs | 0.25% | 0.11% (stronger) |
| Return on assets | 1.32% (stronger) | 1.11% |
| Loans ÷ deposits | 78.3% (stronger) | 82.1% |
| Uninsured deposits | 38.8% | 24.5% (stronger) |
| Offices | 29 | 38 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.7% | 18.4% |
Planters Bank & Trust Company has the higher TellerScore (71 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Planters Bank & Trust Company leads on 5 and Guaranty Bank and Trust Company on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.