Bank Comparison
Guaranty Bank & Trust Company of Delhi vs Pacific Alliance Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
7 · 13
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Guaranty Bank & Trust Company of Delhi | Pacific Alliance Bank |
|---|---|---|
| CET1 Ratio | 15.13% | — |
| Tier 1 Capital Ratio | 15.13% | — |
| Total Capital Ratio | 15.94% | — |
| Tier 1 Leverage Ratio | 8.36% | 13.41% |
| Equity / Assets | 8.54% | 13.00% |
Profitability
| Metric | Guaranty Bank & Trust Company of Delhi | Pacific Alliance Bank |
|---|---|---|
| Return on Assets (ROA) | 1.19% | 2.31% |
| Return on Equity (ROE) | 14.49% | 17.94% |
| Net Interest Margin (NIM) | 3.72% | 3.06% |
| Yield on Earning Assets | 6.39% | 6.13% |
| Cost of Funds | 2.85% | 3.50% |
Asset quality
| Metric | Guaranty Bank & Trust Company of Delhi | Pacific Alliance Bank |
|---|---|---|
| Texas Ratio | 22.97% | 0.88% |
| Non-Performing Loan Ratio | 2.22% | 0.16% |
| Non-Performing Asset Ratio | 1.89% | 0.12% |
| Net Charge-Off Ratio | 0.16% | 0.00% |
| ACL / Loans | 0.63% | 1.37% |
Balance sheet
| Metric | Guaranty Bank & Trust Company of Delhi | Pacific Alliance Bank |
|---|---|---|
| Total Assets | $451,124K | $450,670K |
| Total Deposits | $405,535K | $366,529K |
| Total Loans | $328,299K | $349,179K |
| Total Equity | $38,522K | $58,571K |
| Net Income (quarter) | $1,373K | $2,578K |
Liquidity & funding
| Metric | Guaranty Bank & Trust Company of Delhi | Pacific Alliance Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 80.95% | 95.27% |
| Core Deposit Ratio | 69.31% | 79.40% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Guaranty Bank & Trust Company of Delhi | Pacific Alliance Bank |
|---|---|---|
| Headquarters City | DELHI | SAN GABRIEL |
| Headquarters State | LA | CA |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 10 | 3 |
| Employees (FTE) | 64 | 32 |
| Established | Oct. 15, 1966, midnight | Dec. 27, 2006, 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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