Side-by-side · Q2 2026 data
River City Bank, Inc. vs Guardian Savings Bank
Metric by metric
| Measure | River City Bank, Inc. | Guardian Savings Bank |
|---|---|---|
| TellerScore | 74 | 83 (stronger) |
| Capital cushion | 67 (stronger) | 64 |
| Loan quality | 88 | 93 (stronger) |
| Earnings | 61 | 100 (stronger) |
| Funding & liquidity | 68 | 72 (stronger) |
| Problem-loan coverage | 95 | 97 (stronger) |
| Peer percentile | 57th | 94th |
| Total assets | $494.9M | $1.4B |
| Deposits / shares | $438.3M | $1.2B |
| Capital ratio | 11.72% (stronger) | 11.39% |
| Problem loans | 0.36% | 0.20% (stronger) |
| Net charge-offs | -0.00% | -0.00% (stronger) |
| Return on assets | 1.02% | 2.00% (stronger) |
| Loans ÷ deposits | 85.2% (stronger) | 88.1% |
| Uninsured deposits | 21.9% | 13.7% (stronger) |
| Offices | 7 | 13 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.4% | 11.5% |
Guardian Savings Bank has the higher TellerScore (83 vs 74). On the 7 directional measures above (where higher or lower is clearly better), River City Bank, Inc. leads on 2 and Guardian Savings Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.