Guaranty Bank and Trust Company (New Roads, LA): Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Guaranty Bank and Trust Company, based in New Roads, Louisiana, reported $319 million in assets at June 30, 2026, up 2.2% from a year earlier. It carries problem assets equal to 19.6% of the capital and reserves that would absorb them, 7.4 times the median of 2.6% for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it keeps 4.75 cents of net interest income on every dollar of earning assets, higher than about three-quarters of banks its size (median 3.95 cents).
Loans and deposits moved in opposite directions: over the year loans fell 2.2% and deposits rose 5.1%.
As of June 30, 2026, Guaranty Bank and Trust Company reported a CET1 capital ratio of 21.50%, a return on assets of 1.23%, a nonperforming-loan ratio of 3.08% and a Texas ratio of 19.61%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 175 New Roads St, New Roads, LA 70760
- County
- Pointe Coupee
- Metro Area
- Baton Rouge, LA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- June 29, 1957
- Former names
- Team Bank and Trust Company (1991-1994)
- Offices
- 7 domestic
- Employees (FTE)
- 74
- Domestic deposits
- $274.8M
- Allowance for credit losses
- $2.5M
- Net charge-offs (YTD)
- $16K
- Average total assets
- $323.1M
- Average total loans
- $219.3M
- Average interest-bearing deposits
- $205.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 29, 1957
- FDIC Cert
- 17767
- Fed RSSD
- 289739
- Website
- guaranty-bnk.com →
- Parent Holding Company
- GREAT GUARANTY BANCSHARES, INC. (RSSD 1083158)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
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Unlock Guaranty Bank and Trust Company, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Guaranty Bank and Trust Company rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 21.50% | 1.23% | 3.99% | 19.61% | 4.75% |
| Q1 2026 | 21.12% | 1.28% | 4.20% | 21.93% | 4.65% |
| Q4 2025 | 20.68% | 1.10% | 3.52% | 19.61% | 4.89% |
| Q3 2025 | 19.98% | 1.09% | 3.15% | 18.79% | 4.87% |
| Q2 2025 | 19.85% | 1.21% | 4.02% | 22.80% | 4.90% |
| Q1 2025 | 21.66% | 1.16% | 2.26% | 14.91% | 4.64% |
| Q4 2024 | 22.19% | 1.50% | 1.99% | 12.70% | 4.65% |
| Q3 2024 | 21.27% | 1.10% | 2.02% | 13.02% | 4.61% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 7 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Guaranty Bank and Trust Company (main office) | New Roads , LA | 70760 | $135.3M |
| Livonia Branch | Livonia , LA | 70755 | $37.5M |
| Port Allen Branch | Port Allen , LA | 70767 | $29.7M |
| Maringouin Br | Maringouin , LA | 70757 | $25.3M |
| Zachary Branch | Zachary , LA | 70791 | $18.3M |
| Grosse Tete Branch | Grosse Tete , LA | 70740 | $17.0M |
| Florida Boulevard Branch | Baton Rouge , LA | 70806 | $11.6M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| March 23, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 21, 2015 | M&A | Acquired Bank of Maringouin merger for the acquired bank | SEC |
| March 21, 2015 | Structure Change | Acquired Bank of Maringouin Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 28, 2002 | Delisting | deregistration | SEC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
What the public regulatory sources show for Guaranty Bank and Trust Company, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in LA, rank 67 of 118 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $122K approved, $61K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1991 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Guaranty Bank and Trust Company
What are Guaranty Bank and Trust Company's total assets?
As of the Q2 2026 filing, Guaranty Bank and Trust Company reported total assets of $318.5 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Guaranty Bank and Trust Company headquartered?
Guaranty Bank and Trust Company is headquartered in New Roads, LA, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Guaranty Bank and Trust Company founded?
Guaranty Bank and Trust Company was established in 1957, per the FDIC institution directory.
Is Guaranty Bank and Trust Company FDIC-insured?
Yes. Guaranty Bank and Trust Company is an FDIC-insured commercial bank (FDIC Certificate #17767). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Guaranty Bank and Trust Company?
Guaranty Bank and Trust Company's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Guaranty Bank and Trust Company's CET1 capital ratio?
Guaranty Bank and Trust Company reported a Common Equity Tier 1 (CET1) capital ratio of 21.50% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Guaranty Bank and Trust Company operate?
Guaranty Bank and Trust Company operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Guaranty Bank and Trust Company's Texas Ratio?
Guaranty Bank and Trust Company's Texas Ratio is 19.61% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Guaranty Bank and Trust Company previously called?
The charter now named Guaranty Bank and Trust Company has also operated as Team Bank and Trust Company (1991-1994), per FDIC structure-change records.
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