GUARANTY BANK & TRUST COMPANY OF DELHI

DELHI, LA | Small | Est. Oct. 15, 1966, midnight | FDIC #19638 | RSSD #969255 | FDIC
Latest Report: 2025-12-31

GUARANTY BANK & TRUST COMPANY OF DELHI is asn small FDIC-insured commercial bank headquartered in DELHI, LA, established in Oct. 15, 1966, midnight. As of 2025-12-31, the bank reported total assets of $467M and total deposits of $403M. Profitability stands at 1.45% ROA and 17.82% ROE, with a net interest margin of 4.18%. The bank's CET1 capital ratio is 14.25%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.83% and a Texas Ratio of 19.07%. FDIC Certificate #19638.

Assets

$467M

Deposits

$403M

Loans

$334M

Equity

$37M

Profitability

Return on Assets (ROA) 1.45%
Return on Equity (ROE) 17.82%
Net Interest Margin (NIM) 4.18%
Yield on Assets 6.97%
Cost of Funds 2.82%

Asset Quality

NPL Ratio 1.83%
Net Charge-Off Ratio 0.23%
Texas Ratio 19.07%
NPA Ratio 1.60%
ACL / Loans 0.54%

Capital & Liquidity

CET1 Ratio 14.25%
Tier 1 Capital 14.25%
Total Capital Ratio 14.94%
Leverage Ratio 8.23%
Loan-to-Deposit 82.87%

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