Side-by-side · Q2 2026 data
The Bank and Trust, S.S.B. vs Guadalupe Bank
Metric by metric
| Measure | The Bank and Trust, S.S.B. | Guadalupe Bank |
|---|---|---|
| TellerScore | 77 (stronger) | 74 |
| Capital cushion | 50 (stronger) | 49 |
| Loan quality | 98 | 100 (stronger) |
| Earnings | 82 (stronger) | 71 |
| Funding & liquidity | 75 (stronger) | 66 |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 68th | 57th |
| Total assets | $583.8M | $261.1M |
| Deposits / shares | $529.3M | $234.1M |
| Capital ratio | 9.96% (stronger) | 9.93% |
| Problem loans | 0.05% | 0.00% (stronger) |
| Net charge-offs | 0.02% | 0.01% (stronger) |
| Return on assets | 1.56% (stronger) | 1.28% |
| Loans ÷ deposits | 74.3% (stronger) | 85.8% |
| Uninsured deposits | 24.9% | 22.8% (stronger) |
| Offices | 7 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.4% | — |
The Bank and Trust, S.S.B. has the higher TellerScore (77 vs 74). On the 7 directional measures above (where higher or lower is clearly better), The Bank and Trust, S.S.B. leads on 4 and Guadalupe Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.