Side-by-side · Q2 2026 data
Washington State Bank vs Guaranty Bank and Trust Company
Metric by metric
| Measure | Washington State Bank | Guaranty Bank and Trust Company |
|---|---|---|
| TellerScore | 63 (stronger) | 58 |
| Capital cushion | 58 | 88 (stronger) |
| Loan quality | 57 (stronger) | 0 |
| Earnings | 65 | 71 (stronger) |
| Funding & liquidity | 66 | 73 (stronger) |
| Problem-loan coverage | 80 (stronger) | 61 |
| Peer percentile | 24th | 16th |
| Total assets | $309.2M | $318.5M |
| Deposits / shares | $273.9M | $274.8M |
| Capital ratio | 10.81% | 13.82% (stronger) |
| Problem loans | 1.29% (stronger) | 3.99% |
| Net charge-offs | 0.59% | 0.01% (stronger) |
| Return on assets | 1.12% | 1.28% (stronger) |
| Loans ÷ deposits | 82.0% | 79.2% (stronger) |
| Uninsured deposits | 26.2% | 22.3% (stronger) |
| Offices | 5 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.7% | 5.8% |
Washington State Bank has the higher TellerScore (63 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Washington State Bank leads on 2 and Guaranty Bank and Trust Company on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.