Bank Comparison
First Security Bank vs Guaranty Bank INC.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 8
winning metrics across 20 comparable rows
Capital adequacy
| Metric | First Security Bank | Guaranty Bank INC. |
|---|---|---|
| CET1 Ratio | — | 17.91% |
| Tier 1 Capital Ratio | — | 17.91% |
| Total Capital Ratio | — | 19.17% |
| Tier 1 Leverage Ratio | 9.31% | 13.76% |
| Equity / Assets | 11.14% | 13.57% |
Profitability
| Metric | First Security Bank | Guaranty Bank INC. |
|---|---|---|
| Return on Assets (ROA) | 0.98% | 0.30% |
| Return on Equity (ROE) | 8.62% | 2.18% |
| Net Interest Margin (NIM) | 4.08% | 4.26% |
| Yield on Earning Assets | 6.19% | 6.34% |
| Cost of Funds | 2.23% | 2.32% |
Asset quality
| Metric | First Security Bank | Guaranty Bank INC. |
|---|---|---|
| Texas Ratio | 0.00% | 10.84% |
| Non-Performing Loan Ratio | 0.00% | 1.93% |
| Non-Performing Asset Ratio | 0.00% | 1.59% |
| Net Charge-Off Ratio | 0.00% | 0.34% |
| ACL / Loans | 1.12% | 1.60% |
Balance sheet
| Metric | First Security Bank | Guaranty Bank INC. |
|---|---|---|
| Total Assets | $148,930K | $148,734K |
| Total Deposits | $127,111K | $124,957K |
| Total Loans | $120,717K | $118,692K |
| Total Equity | $16,584K | $20,176K |
| Net Income (quarter) | $355 | $110 |
Liquidity & funding
| Metric | First Security Bank | Guaranty Bank INC. |
|---|---|---|
| Loan-to-Deposit Ratio | 94.97% | 94.99% |
| Core Deposit Ratio | 82.92% | 93.43% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First Security Bank | Guaranty Bank INC. |
|---|---|---|
| Headquarters City | MACKINAW | WILLIAMSON |
| Headquarters State | IL | WV |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 4 | 3 |
| Employees (FTE) | 27 | 40 |
| Established | Jan. 1, 1934, 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.
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