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Guaranty Bank and Trust Company
Belzoni, MS·FDIC Cert #15953·Charter: STATE·Est. 19430517.0·HC: GUARANTY CAPITAL CORP
Total Assets
$2.9B
Q4 2025
Return on Assets
1.10%
-0.00%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
60.39%
Peer avg: 58.3%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
56
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.10%-0.00
ROE
10.13%-0.15
Efficiency
60.39%+0.27
Equity/Assets
0.00%+0.00
NPL Ratio
2.35%+0.49
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
79.49%-3.54
Charge-offs
0.34%+0.02
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.9 | 0.9 | 0.8 | 0.9 | 1.1 | 1.1 | 1.1 | 1.1 |
| ROE | 8.4 | 8.7 | 8.2 | 8.6 | 10.3 | 10.5 | 10.3 | 10.1 |
| Efficiency | 68.8 | 67.7 | 66.4 | 65.4 | 59.6 | 58.7 | 60.1 | 60.4 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 1.4 | 1.4 | 1.5 | 1.5 | 1.9 | 1.9 | 1.9 | 2.3 |
| Charge-offs | 0.1 | 0.1 | 0.0 | 0.1 | 0.2 | 0.4 | 0.3 | 0.3 |
| Loan/Deposit | 78.5 | 83.4 | 85.6 | 86.2 | 82.7 | 84.2 | 83.0 | 79.5 |
Balance Sheet
Total Assets$2.9B
Total Deposits$2.6B
Total Loans$2.0B
Total Equity$331.9M
Profitability
ROA1.10%
ROE10.13%
Efficiency Ratio60.39%
Net Income$32.0M
Risk & Asset Quality
NPL Ratio2.35%
Charge-off Rate0.34%
Loan/Deposit79.49%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans