Bank Comparison
Fayette County National Bank of Fayetteville, the vs Guaranty Bank INC.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
14 · 9
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Fayette County National Bank of Fayetteville, the | Guaranty Bank INC. |
|---|---|---|
| CET1 Ratio | 21.17% | 17.91% |
| Tier 1 Capital Ratio | 21.17% | 17.91% |
| Total Capital Ratio | 22.39% | 19.17% |
| Tier 1 Leverage Ratio | 9.09% | 13.76% |
| Equity / Assets | 7.09% | 13.57% |
Profitability
| Metric | Fayette County National Bank of Fayetteville, the | Guaranty Bank INC. |
|---|---|---|
| Return on Assets (ROA) | 0.54% | 0.30% |
| Return on Equity (ROE) | 7.67% | 2.18% |
| Net Interest Margin (NIM) | 2.79% | 4.26% |
| Yield on Earning Assets | 4.10% | 6.34% |
| Cost of Funds | 1.44% | 2.32% |
Asset quality
| Metric | Fayette County National Bank of Fayetteville, the | Guaranty Bank INC. |
|---|---|---|
| Texas Ratio | 0.78% | 10.84% |
| Non-Performing Loan Ratio | 0.05% | 1.93% |
| Non-Performing Asset Ratio | 0.02% | 1.59% |
| Net Charge-Off Ratio | 0.03% | 0.34% |
| ACL / Loans | 1.14% | 1.60% |
Balance sheet
| Metric | Fayette County National Bank of Fayetteville, the | Guaranty Bank INC. |
|---|---|---|
| Total Assets | $157,056K | $148,734K |
| Total Deposits | $136,691K | $124,957K |
| Total Loans | $72,324K | $118,692K |
| Total Equity | $11,130K | $20,176K |
| Net Income (quarter) | $212 | $110 |
Liquidity & funding
| Metric | Fayette County National Bank of Fayetteville, the | Guaranty Bank INC. |
|---|---|---|
| Loan-to-Deposit Ratio | 52.91% | 94.99% |
| Core Deposit Ratio | 95.35% | 93.43% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Fayette County National Bank of Fayetteville, the | Guaranty Bank INC. |
|---|---|---|
| Headquarters City | FAYETTEVILLE | WILLIAMSON |
| Headquarters State | WV | WV |
| Asset Tier | Small | Small |
| Charter Class | 8345 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 2 | 3 |
| Employees (FTE) | 21 | 40 |
| Established | June 1, 1900, midnight | May 17, 1976, 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.
View full Fayette County National Bank of Fayetteville, the profile | View full Guaranty Bank INC. profile | Browse all bank comparisons