Bank Comparison
Guaranty Bank INC. vs Bridge Community Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 11
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Guaranty Bank INC. | Bridge Community Bank |
|---|---|---|
| CET1 Ratio | 17.91% | — |
| Tier 1 Capital Ratio | 17.91% | — |
| Total Capital Ratio | 19.17% | — |
| Tier 1 Leverage Ratio | 13.76% | 9.87% |
| Equity / Assets | 13.57% | 14.78% |
Profitability
| Metric | Guaranty Bank INC. | Bridge Community Bank |
|---|---|---|
| Return on Assets (ROA) | 0.30% | 1.32% |
| Return on Equity (ROE) | 2.18% | 8.83% |
| Net Interest Margin (NIM) | 4.26% | 4.97% |
| Yield on Earning Assets | 6.34% | 6.31% |
| Cost of Funds | 2.32% | 1.39% |
Asset quality
| Metric | Guaranty Bank INC. | Bridge Community Bank |
|---|---|---|
| Texas Ratio | 10.84% | 0.20% |
| Non-Performing Loan Ratio | 1.93% | 0.03% |
| Non-Performing Asset Ratio | 1.59% | 0.02% |
| Net Charge-Off Ratio | 0.34% | -0.01% |
| ACL / Loans | 1.60% | 1.02% |
Balance sheet
| Metric | Guaranty Bank INC. | Bridge Community Bank |
|---|---|---|
| Total Assets | $148,734K | $148,531K |
| Total Deposits | $124,957K | $124,519K |
| Total Loans | $118,692K | $99,281K |
| Total Equity | $20,176K | $21,948K |
| Net Income (quarter) | $110 | $480 |
Liquidity & funding
| Metric | Guaranty Bank INC. | Bridge Community Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 94.99% | 79.73% |
| Core Deposit Ratio | 93.43% | 91.51% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Guaranty Bank INC. | Bridge Community Bank |
|---|---|---|
| Headquarters City | WILLIAMSON | MOUNT VERNON |
| Headquarters State | WV | IA |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 3 | 3 |
| Employees (FTE) | 40 | 17 |
| Established | May 17, 1976, midnight | Sept. 8, 1903, 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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