Side-by-side · Q2 2026 data
The Citizens National Bank of Quitman vs Guardian Bank
Metric by metric
| Measure | The Citizens National Bank of Quitman | Guardian Bank |
|---|---|---|
| TellerScore | 81 (stronger) | 65 |
| Capital cushion | 66 (stronger) | 65 |
| Loan quality | 93 (stronger) | 50 |
| Earnings | 83 (stronger) | 82 |
| Funding & liquidity | 75 (stronger) | 60 |
| Problem-loan coverage | 98 (stronger) | 80 |
| Peer percentile | 80th | 29th |
| Total assets | $133.7M | $597.9M |
| Deposits / shares | $119.0M | $524.3M |
| Capital ratio | 11.56% (stronger) | 11.55% |
| Problem loans | 0.21% (stronger) | 1.49% |
| Net charge-offs | 0.09% | 0.03% (stronger) |
| Return on assets | 1.58% (stronger) | 1.54% |
| Loans ÷ deposits | 68.5% (stronger) | 68.5% |
| Uninsured deposits | 30.3% (stronger) | 43.2% |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.9% | 1.3% |
The Citizens National Bank of Quitman has the higher TellerScore (81 vs 65). On the 7 directional measures above (where higher or lower is clearly better), The Citizens National Bank of Quitman leads on 6 and Guardian Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.