Side-by-side · Q2 2026 data
The Citizens Bank of Philadelphia, Mississippi vs Guaranty Bank and Trust Company
Bank
The Citizens Bank of Philadelphia, Mississippi
Philadelphia, Mississippi · $1 billion – $10 billion
Metric by metric
| Measure | The Citizens Bank of Philadelphia, Mississippi | Guaranty Bank and Trust Company |
|---|---|---|
| TellerScore | 66 (stronger) | 55 |
| Capital cushion | 41 | 54 (stronger) |
| Loan quality | 84 (stronger) | 33 |
| Earnings | 52 | 64 (stronger) |
| Funding & liquidity | 92 (stronger) | 68 |
| Problem-loan coverage | 88 (stronger) | 73 |
| Peer percentile | 40th | 13th |
| Total assets | $1.6B | $3.1B |
| Deposits / shares | $1.3B | $2.6B |
| Capital ratio | 9.11% | 10.42% (stronger) |
| Problem loans | 0.47% (stronger) | 2.01% |
| Net charge-offs | 0.29% | 0.11% (stronger) |
| Return on assets | 0.80% | 1.11% (stronger) |
| Loans ÷ deposits | 67.1% (stronger) | 82.1% |
| Uninsured deposits | 16.6% (stronger) | 24.5% |
| Offices | 26 | 38 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 18.4% |
The Citizens Bank of Philadelphia, Mississippi has the higher TellerScore (66 vs 55). On the 7 directional measures above (where higher or lower is clearly better), The Citizens Bank of Philadelphia, Mississippi leads on 4 and Guaranty Bank and Trust Company on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.