GUARANTY BANK AND TRUST COMPANY
GUARANTY BANK AND TRUST COMPANY is an FDIC-insured commercial bank headquartered in BELZONI, MS, established in 1943. As of , 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 4.03%. CET1 capital ratio: 10.15%, well above regulatory minimums. NPL ratio: 2.34% · Texas Ratio: 15.28%. Operates 40 domestic branches.
Capital & Liquidity
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Guaranty Bank and Trust Company rankings
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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 |
|---|---|---|---|---|---|
| 2025-12-31 | 10.15% | 1.08% | 2.34% | 15.28% | 4.03% |
| 2025-09-30 | 9.66% | 1.09% | 1.84% | 12.82% | 4.14% |
| 2025-06-30 | 9.76% | 1.15% | 1.86% | 13.20% | 4.04% |
| 2025-03-31 | 9.31% | 1.08% | 1.92% | 13.25% | 3.80% |
| 2024-12-31 | 9.00% | 1.00% | 1.62% | 10.79% | 3.90% |
| 2024-09-30 | 9.09% | 0.94% | 1.63% | 10.46% | 3.45% |
| 2024-06-30 | 8.72% | 0.91% | 1.57% | 10.18% | 3.38% |
| 2024-03-31 | 8.78% | 0.85% | 1.49% | 9.08% | 3.54% |
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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 Q4 2025 filing, Guaranty Bank and Trust Company reported total assets of $2.91 billion in its most recent 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 BELZONI, MS, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Guaranty Bank and Trust Company founded?
Guaranty Bank and Trust Company was established in 1943, 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 #15953). 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 10.15% in its most recent quarterly filing — above regulatory minimums.
How many branches does Guaranty Bank and Trust Company operate?
Guaranty Bank and Trust Company operates 40 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Guaranty Bank and Trust Company's Texas Ratio?
Guaranty Bank and Trust Company's Texas Ratio is 15.28% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.