Side-by-side · Q2 2026 data
The Commercial and Savings Bank of Millersburg, Ohio vs Guardian Savings Bank
Bank
The Commercial and Savings Bank of Millersburg, Ohio
Millersburg, Ohio · $1 billion – $10 billion
Metric by metric
| Measure | The Commercial and Savings Bank of Millersburg, Ohio | Guardian Savings Bank |
|---|---|---|
| TellerScore | 69 | 83 (stronger) |
| Capital cushion | 52 | 64 (stronger) |
| Loan quality | 72 | 93 (stronger) |
| Earnings | 78 | 100 (stronger) |
| Funding & liquidity | 75 (stronger) | 72 |
| Problem-loan coverage | 90 | 97 (stronger) |
| Peer percentile | 53rd | 94th |
| Total assets | $1.3B | $1.4B |
| Deposits / shares | $1.1B | $1.2B |
| Capital ratio | 10.25% | 11.39% (stronger) |
| Problem loans | 0.84% | 0.20% (stronger) |
| Net charge-offs | 0.01% | -0.00% (stronger) |
| Return on assets | 1.46% | 2.00% (stronger) |
| Loans ÷ deposits | 75.4% (stronger) | 88.1% |
| Uninsured deposits | 24.0% | 13.7% (stronger) |
| Offices | 16 | 13 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.8% | 11.5% |
Guardian Savings Bank has the higher TellerScore (83 vs 69). On the 7 directional measures above (where higher or lower is clearly better), The Commercial and Savings Bank of Millersburg, Ohio leads on 1 and Guardian Savings Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.