GUARANTY BANK

SPRINGFIELD, MO | Large | Est. Oct. 24, 2008, midnight | FDIC #58892 | RSSD #3804535 | FED
Latest Report: 2025-12-31

GUARANTY BANK is aln large FDIC-insured commercial bank headquartered in SPRINGFIELD, MO, established in Oct. 24, 2008, midnight. As of 2025-12-31, the bank reported total assets of $2.4B and total deposits of $1.8B. Profitability stands at 1.11% ROA and 6.87% ROE, with a net interest margin of 2.93%. The bank's CET1 capital ratio is 12.98%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.87% and a Texas Ratio of 4.03%. FDIC Certificate #58892.

Assets

$2.4B

Deposits

$1.8B

Loans

$1.9B

Equity

$392M

Profitability

Return on Assets (ROA) 1.11%
Return on Equity (ROE) 6.87%
Net Interest Margin (NIM) 2.93%
Yield on Assets 5.73%
Cost of Funds 7.68%

Asset Quality

NPL Ratio 0.87%
Net Charge-Off Ratio 0.17%
Texas Ratio 4.03%
NPA Ratio 0.69%
ACL / Loans 1.27%

Capital & Liquidity

CET1 Ratio 12.98%
Tier 1 Capital 12.98%
Total Capital Ratio 14.13%
Leverage Ratio 12.03%
Loan-to-Deposit 101.78%

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