Side-by-side · Q2 2026 data
The Citizens National Bank of Meridian vs Guaranty Bank and Trust Company
Metric by metric
| Measure | The Citizens National Bank of Meridian | Guaranty Bank and Trust Company |
|---|---|---|
| TellerScore | 70 (stronger) | 55 |
| Capital cushion | 63 (stronger) | 54 |
| Loan quality | 71 (stronger) | 33 |
| Earnings | 84 (stronger) | 64 |
| Funding & liquidity | 51 | 68 (stronger) |
| Problem-loan coverage | 86 (stronger) | 73 |
| Peer percentile | 58th | 13th |
| Total assets | $1.9B | $3.1B |
| Deposits / shares | $1.6B | $2.6B |
| Capital ratio | 11.28% (stronger) | 10.42% |
| Problem loans | 0.87% (stronger) | 2.01% |
| Net charge-offs | 0.02% (stronger) | 0.11% |
| Return on assets | 1.59% (stronger) | 1.11% |
| Loans ÷ deposits | 80.1% (stronger) | 82.1% |
| Uninsured deposits | 41.2% | 24.5% (stronger) |
| Offices | 25 | 38 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 18.4% |
The Citizens National Bank of Meridian has the higher TellerScore (70 vs 55). On the 7 directional measures above (where higher or lower is clearly better), The Citizens National Bank of Meridian leads on 6 and Guaranty Bank and Trust Company on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.