GUARANTY BANK AND TRUST COMPANY

BELZONI, MS | Large | Est. May 17, 1943, midnight | FDIC #15953 | RSSD #84541 | FDIC
Latest Report: 2025-12-31

GUARANTY BANK AND TRUST COMPANY is aln large FDIC-insured commercial bank headquartered in BELZONI, MS, established in May 17, 1943, midnight. As of 2025-12-31, the bank reported total assets of $2.9B and total deposits of $2.6B. Profitability stands at 1.08% ROA and 9.72% ROE, with a net interest margin of 4.06%. The bank's CET1 capital ratio is 9.35%. Asset quality metrics show a non-performing loan ratio of 2.32% and a Texas Ratio of 15.13%. FDIC Certificate #15953.

Assets

$2.9B

Deposits

$2.6B

Loans

$2.1B

Equity

$332M

Profitability

Return on Assets (ROA) 1.08%
Return on Equity (ROE) 9.72%
Net Interest Margin (NIM) 4.06%
Yield on Assets 6.38%
Cost of Funds 3.03%

Asset Quality

NPL Ratio 2.32%
Net Charge-Off Ratio 0.33%
Texas Ratio 15.13%
NPA Ratio 1.87%
ACL / Loans 1.36%

Capital & Liquidity

CET1 Ratio 9.35%
Tier 1 Capital 9.35%
Total Capital Ratio 9.81%
Leverage Ratio 10.18%
Loan-to-Deposit 80.58%

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