Side-by-side · Q2 2026 data
TownBridge Bank vs Guaranty Bank and Trust Company
Metric by metric
| Measure | TownBridge Bank | Guaranty Bank and Trust Company |
|---|---|---|
| TellerScore | 61 (stronger) | 55 |
| Capital cushion | 38 | 54 (stronger) |
| Loan quality | 35 (stronger) | 33 |
| Earnings | 100 (stronger) | 64 |
| Funding & liquidity | 84 (stronger) | 68 |
| Problem-loan coverage | 80 (stronger) | 73 |
| Peer percentile | 24th | 13th |
| Total assets | $1.3B | $3.1B |
| Deposits / shares | $1.0B | $2.6B |
| Capital ratio | 8.83% | 10.42% (stronger) |
| Problem loans | 1.94% (stronger) | 2.01% |
| Net charge-offs | 0.03% (stronger) | 0.11% |
| Return on assets | 2.22% (stronger) | 1.11% |
| Loans ÷ deposits | 67.3% (stronger) | 82.1% |
| Uninsured deposits | 22.9% (stronger) | 24.5% |
| Offices | 24 | 38 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.1% | 18.4% |
TownBridge Bank has the higher TellerScore (61 vs 55). On the 7 directional measures above (where higher or lower is clearly better), TownBridge Bank 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.