Side-by-side · Q2 2026 data
South Georgia Banking Company vs Guardian Bank
Metric by metric
| Measure | South Georgia Banking Company | Guardian Bank |
|---|---|---|
| TellerScore | 85 (stronger) | 65 |
| Capital cushion | 89 (stronger) | 65 |
| Loan quality | 82 (stronger) | 50 |
| Earnings | 85 (stronger) | 82 |
| Funding & liquidity | 75 (stronger) | 60 |
| Problem-loan coverage | 94 (stronger) | 80 |
| Peer percentile | 88th | 29th |
| Total assets | $570.1M | $597.9M |
| Deposits / shares | $487.6M | $524.3M |
| Capital ratio | 13.86% (stronger) | 11.55% |
| Problem loans | 0.55% (stronger) | 1.49% |
| Net charge-offs | 0.06% | 0.03% (stronger) |
| Return on assets | 1.63% (stronger) | 1.54% |
| Loans ÷ deposits | 80.9% | 68.5% (stronger) |
| Uninsured deposits | 18.6% (stronger) | 43.2% |
| Offices | 8 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.6% | 1.3% |
South Georgia Banking Company has the higher TellerScore (85 vs 65). On the 7 directional measures above (where higher or lower is clearly better), South Georgia Banking Company leads on 5 and Guardian Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.