This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Bank
Beloit, KS
Health score
79.5
Total assets
$381.4M
Bank
Oakley, KS
Health score
76.7
Total assets
$396.1M
Answer first
Guaranty State Bank and Trust Company leads on financial health; The Farmers State Bank of Oakley, Kansas leads on profitability and lending quality and growth. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
Guaranty State Bank and Trust Company
Higher TFS health score
Capitalization
Too close to call
Higher comparable capital ratio
Profitability
The Farmers State Bank of Oakley, Kansas
Higher return on assets
Lending quality
The Farmers State Bank of Oakley, Kansas
Lower problem-loan measure
Growth
The Farmers State Bank of Oakley, Kansas
Higher year-over-year asset growth
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | Guaranty State Bank and Trust Company | The Farmers State Bank of Oakley, Kansas |
|---|---|---|
| TFS health score | 79.5/100Leads | 76.7/100 |
| Total assets | $381.4M | $396.1M |
| Total deposits / shares | $324.6M | $295.1M |
| Tier 1 capital ratio | 11.60% | 11.61% |
| Return on assets | 1.05% | 1.32%Leads |
| Return on equity | 10.45% | 11.15%Leads |
Guaranty State Bank and Trust Company
9 branches
The Farmers State Bank of Oakley, Kansas
2 branches
Both institutions report branches in 1 state: KS.
Guaranty State Bank and Trust Company
Unavailable
The Farmers State Bank of Oakley, Kansas
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
Guaranty State Bank and Trust Company
0 in TFS registry
The Farmers State Bank of Oakley, Kansas
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | Guaranty State Bank and Trust Company score | Guaranty State Bank and Trust Company ROA | The Farmers State Bank of Oakley, Kansas score | The Farmers State Bank of Oakley, Kansas ROA |
|---|---|---|---|---|
| 2024-Q3 | — | 0.76% | — | 1.36% |
| 2024-Q4 | — | 0.74% | — | 1.32% |
| 2025-Q1 | — | 1.01% | — | 1.27% |
| 2025-Q2 | — | 1.19% | — | 1.36% |
| 2025-Q3 | — | 1.05% | — | 1.36% |
| 2025-Q4 | — | 0.94% | — | 1.18% |
| 2026-Q1 |
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Coverage boundaries
Related comparisons
Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Arbitrary comparison pairs are available dynamically but remain noindex unless curated for data completeness and user value.
| Non-performing loans | 0.60% | 0.01%Leads |
| Net charge-offs | -0.01%Leads | 0.03% |
| Efficiency ratio | 63.06% | 50.74%Leads |
| Loan-to-deposit ratio | 78.96% | 89.25% |
| Asset growth (YoY) | 1.73% | 30.72%Leads |
| Deposit / share growth (YoY) | 4.78% | 39.49%Leads |
| Branches | 9 | 2 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |
| 81.7/100 |
| 1.28% |
| 74.9/100 |
| 1.29% |
| 2026-Q2 | 79.5/100 | 1.05% | 76.7/100 | 1.32% |