GUARANTY BANK AND TRUST COMPANY

NEW ROADS, LA | Small | Est. June 29, 1957, midnight | FDIC #17767 | RSSD #289739 | FDIC
Latest Report: 2025-12-31

GUARANTY BANK AND TRUST COMPANY is asn small FDIC-insured commercial bank headquartered in NEW ROADS, LA, established in June 29, 1957, midnight. As of 2025-12-31, the bank reported total assets of $307M and total deposits of $264M. Profitability stands at 1.10% ROA and 8.01% ROE, with a net interest margin of 5.04%. The bank's CET1 capital ratio is 20.68%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 3.24% and a Texas Ratio of 18.26%. FDIC Certificate #17767.

Assets

$307M

Deposits

$264M

Loans

$222M

Equity

$42M

Profitability

Return on Assets (ROA) 1.10%
Return on Equity (ROE) 8.01%
Net Interest Margin (NIM) 5.04%
Yield on Assets 6.45%
Cost of Funds 1.51%

Asset Quality

NPL Ratio 3.24%
Net Charge-Off Ratio 0.10%
Texas Ratio 18.26%
NPA Ratio 2.65%
ACL / Loans 1.09%

Capital & Liquidity

CET1 Ratio 20.68%
Tier 1 Capital 20.68%
Total Capital Ratio 21.83%
Leverage Ratio 14.40%
Loan-to-Deposit 83.99%

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