Bank Comparison
Guaranty Bank INC. vs Prime Security Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
13 · 9
winning metrics across 22 comparable rows
Capital adequacy
| Metric | Guaranty Bank INC. | Prime Security Bank |
|---|---|---|
| CET1 Ratio | 17.91% | 11.56% |
| Tier 1 Capital Ratio | 17.91% | 11.56% |
| Total Capital Ratio | 19.17% | 12.30% |
| Tier 1 Leverage Ratio | 13.76% | 9.23% |
| Equity / Assets | 13.57% | 8.77% |
Profitability
| Metric | Guaranty Bank INC. | Prime Security Bank |
|---|---|---|
| Return on Assets (ROA) | 0.30% | 1.51% |
| Return on Equity (ROE) | 2.18% | 16.69% |
| Net Interest Margin (NIM) | 4.26% | 3.85% |
| Yield on Earning Assets | 6.34% | 6.26% |
| Cost of Funds | 2.32% | 2.47% |
Asset quality
| Metric | Guaranty Bank INC. | Prime Security Bank |
|---|---|---|
| Texas Ratio | 10.84% | 10.15% |
| Non-Performing Loan Ratio | 1.93% | 0.00% |
| Non-Performing Asset Ratio | 1.59% | 0.94% |
| Net Charge-Off Ratio | 0.34% | 0.72% |
| ACL / Loans | 1.60% | 0.62% |
Balance sheet
| Metric | Guaranty Bank INC. | Prime Security Bank |
|---|---|---|
| Total Assets | $148,734K | $148,610K |
| Total Deposits | $124,957K | $125,072K |
| Total Loans | $118,692K | $127,925K |
| Total Equity | $20,176K | $13,027K |
| Net Income (quarter) | $110 | $536 |
Liquidity & funding
| Metric | Guaranty Bank INC. | Prime Security Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 94.99% | 102.28% |
| Core Deposit Ratio | 93.43% | 95.26% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Guaranty Bank INC. | Prime Security Bank |
|---|---|---|
| Headquarters City | WILLIAMSON | KARLSTAD |
| Headquarters State | WV | MN |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 3 | 3 |
| Employees (FTE) | 40 | 18 |
| Established | May 17, 1976, midnight | June 5, 1925, 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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