Bank Comparison
Dolores State Bank, the vs Guaranty Bank & Trust Company of Delhi
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
17 · 6
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Dolores State Bank, the | Guaranty Bank & Trust Company of Delhi |
|---|---|---|
| CET1 Ratio | 20.67% | 15.13% |
| Tier 1 Capital Ratio | 20.67% | 15.13% |
| Total Capital Ratio | 21.85% | 15.94% |
| Tier 1 Leverage Ratio | 15.32% | 8.36% |
| Equity / Assets | 14.55% | 8.54% |
Profitability
| Metric | Dolores State Bank, the | Guaranty Bank & Trust Company of Delhi |
|---|---|---|
| Return on Assets (ROA) | 1.77% | 1.19% |
| Return on Equity (ROE) | 12.29% | 14.49% |
| Net Interest Margin (NIM) | 4.43% | 3.72% |
| Yield on Earning Assets | 5.65% | 6.39% |
| Cost of Funds | 1.40% | 2.85% |
Asset quality
| Metric | Dolores State Bank, the | Guaranty Bank & Trust Company of Delhi |
|---|---|---|
| Texas Ratio | 5.81% | 22.97% |
| Non-Performing Loan Ratio | 0.97% | 2.22% |
| Non-Performing Asset Ratio | 0.69% | 1.89% |
| Net Charge-Off Ratio | 0.02% | 0.16% |
| ACL / Loans | 1.22% | 0.63% |
Balance sheet
| Metric | Dolores State Bank, the | Guaranty Bank & Trust Company of Delhi |
|---|---|---|
| Total Assets | $451,276K | $451,124K |
| Total Deposits | $354,575K | $405,535K |
| Total Loans | $322,990K | $328,299K |
| Total Equity | $65,673K | $38,522K |
| Net Income (quarter) | $1,994K | $1,373K |
Liquidity & funding
| Metric | Dolores State Bank, the | Guaranty Bank & Trust Company of Delhi |
|---|---|---|
| Loan-to-Deposit Ratio | 91.09% | 80.95% |
| Core Deposit Ratio | 92.94% | 69.31% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Dolores State Bank, the | Guaranty Bank & Trust Company of Delhi |
|---|---|---|
| Headquarters City | DOLORES | DELHI |
| Headquarters State | CO | LA |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 4 | 10 |
| Employees (FTE) | 50 | 64 |
| Established | Jan. 5, 1959, midnight | Oct. 15, 1966, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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