Side-by-side · Q2 2026 data
Whitesville State Bank vs Guaranty Bank Inc.
Metric by metric
| Measure | Whitesville State Bank | Guaranty Bank Inc. |
|---|---|---|
| TellerScore | 65 (stronger) | 54 |
| Capital cushion | 50 | 86 (stronger) |
| Loan quality | 78 (stronger) | 17 |
| Earnings | 41 (stronger) | 31 |
| Funding & liquidity | 92 (stronger) | 69 |
| Problem-loan coverage | 87 (stronger) | 73 |
| Peer percentile | 29th | 10th |
| Total assets | $137.6M | $152.4M |
| Deposits / shares | $126.3M | $126.4M |
| Capital ratio | 9.96% | 13.62% (stronger) |
| Problem loans | 0.65% (stronger) | 2.48% |
| Net charge-offs | 0.18% | 0.08% (stronger) |
| Return on assets | 0.53% (stronger) | 0.27% |
| Loans ÷ deposits | 59.8% (stronger) | 91.1% |
| Uninsured deposits | 22.8% | 6.7% (stronger) |
| Offices | 5 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 27.1% | — |
Whitesville State Bank has the higher TellerScore (65 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Whitesville State Bank leads on 4 and Guaranty Bank Inc. on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.