Side-by-side · Q2 2026 data
The First National Bank of Germantown vs Guardian Savings Bank
Metric by metric
| Measure | The First National Bank of Germantown | Guardian Savings Bank |
|---|---|---|
| TellerScore | 63 | 83 (stronger) |
| Capital cushion | 35 | 64 (stronger) |
| Loan quality | 84 | 93 (stronger) |
| Earnings | 43 | 100 (stronger) |
| Funding & liquidity | 89 (stronger) | 72 |
| Problem-loan coverage | 93 | 97 (stronger) |
| Peer percentile | 22nd | 94th |
| Total assets | $96.2M | $1.4B |
| Deposits / shares | $85.4M | $1.2B |
| Capital ratio | 8.49% | 11.39% (stronger) |
| Problem loans | 0.47% | 0.20% (stronger) |
| Net charge-offs | -0.00% (stronger) | -0.00% |
| Return on assets | 0.58% | 2.00% (stronger) |
| Loans ÷ deposits | 68.4% (stronger) | 88.1% |
| Uninsured deposits | 17.5% | 13.7% (stronger) |
| Offices | 1 | 13 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 11.5% |
Guardian Savings Bank has the higher TellerScore (83 vs 63). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Germantown leads on 2 and Guardian Savings Bank on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.