Side-by-side · Q2 2026 data
Stock Yards Bank & Trust Company vs Guardian Savings Bank
Metric by metric
| Measure | Stock Yards Bank & Trust Company | Guardian Savings Bank |
|---|---|---|
| TellerScore | 72 | 83 (stronger) |
| Capital cushion | 57 | 64 (stronger) |
| Loan quality | 90 | 93 (stronger) |
| Earnings | 86 | 100 (stronger) |
| Funding & liquidity | 40 | 72 (stronger) |
| Problem-loan coverage | 96 | 97 (stronger) |
| Peer percentile | 79th | 94th |
| Total assets | $10.4B | $1.4B |
| Deposits / shares | $8.5B | $1.2B |
| Capital ratio | 10.74% | 11.39% (stronger) |
| Problem loans | 0.31% | 0.20% (stronger) |
| Net charge-offs | -0.00% | -0.00% (stronger) |
| Return on assets | 1.64% | 2.00% (stronger) |
| Loans ÷ deposits | 91.7% | 88.1% (stronger) |
| Uninsured deposits | 41.0% | 13.7% (stronger) |
| Offices | 81 | 13 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 21.5% | 11.5% |
Guardian Savings Bank has the higher TellerScore (83 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Stock Yards Bank & Trust Company leads on 0 and Guardian Savings Bank on 7. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.