First Guaranty bank is rated B in capitalization and has deposits/equity in excess of $1b. non current loans at about 20 percent of allowances and is only rated above average.
Whereas Central State Bank is rated A+ in capitalization has non current loans over 75 percent of allowances and is rated Excellent in capitalization.
It appearst that deposit accounts ratings are inconsistent and that First Guaranty is stronger financially of the two banks.
So What gives?