GUARANTY STATE BANK AND TRUST COMPANY

BELOIT, KS | Small | Est. Jan. 23, 1922, midnight | FDIC #10907 | RSSD #1009756 | FDIC
Latest Report: 2025-12-31

GUARANTY STATE BANK AND TRUST COMPANY is asn small FDIC-insured commercial bank headquartered in BELOIT, KS, established in Jan. 23, 1922, midnight. As of 2025-12-31, the bank reported total assets of $390M and total deposits of $330M. Profitability stands at 0.63% ROA and 6.36% ROE, with a net interest margin of 3.37%. The bank's CET1 capital ratio is 9.90%. Asset quality metrics show a non-performing loan ratio of 0.74% and a Texas Ratio of 4.80%. FDIC Certificate #10907.

Assets

$390M

Deposits

$330M

Loans

$272M

Equity

$39M

Profitability

Return on Assets (ROA) 0.63%
Return on Equity (ROE) 6.36%
Net Interest Margin (NIM) 3.37%
Yield on Assets 5.58%
Cost of Funds 2.28%

Asset Quality

NPL Ratio 0.74%
Net Charge-Off Ratio -0.09%
Texas Ratio 4.80%
NPA Ratio 0.51%
ACL / Loans 1.10%

Capital & Liquidity

CET1 Ratio 9.90%
Tier 1 Capital 9.90%
Total Capital Ratio 10.40%
Leverage Ratio 11.49%
Loan-to-Deposit 82.62%

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