GUARANTY BANK INC.

WILLIAMSON, WV | Small | Est. May 17, 1976, midnight | FDIC #22273 | RSSD #706236 | FDIC
Latest Report: 2025-12-31

GUARANTY BANK INC. is asn small FDIC-insured commercial bank headquartered in WILLIAMSON, WV, established in May 17, 1976, midnight. As of 2025-12-31, the bank reported total assets of $147M and total deposits of $123M. Profitability stands at 0.57% ROA and 4.14% ROE, with a net interest margin of 4.74%. The bank's CET1 capital ratio is 17.62%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.18% and a Texas Ratio of 6.82%. FDIC Certificate #22273.

Assets

$147M

Deposits

$123M

Loans

$121M

Equity

$20M

Profitability

Return on Assets (ROA) 0.57%
Return on Equity (ROE) 4.14%
Net Interest Margin (NIM) 4.74%
Yield on Assets 6.89%
Cost of Funds 2.32%

Asset Quality

NPL Ratio 1.18%
Net Charge-Off Ratio 0.01%
Texas Ratio 6.82%
NPA Ratio 1.03%
ACL / Loans 1.60%

Capital & Liquidity

CET1 Ratio 17.62%
Tier 1 Capital 17.62%
Total Capital Ratio 18.88%
Leverage Ratio 13.88%
Loan-to-Deposit 97.98%

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