Guaranty Bank
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Data as of · sourced from FFIEC call reports. How we update
Guaranty Bank is an FDIC-insured commercial bank headquartered in Springfield, MO, established in 2008 (FDIC certificate 58892), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $2.38B, up 0.7% from Q2 2025, the 17th largest of 191 banks headquartered in Missouri. Its CET1 capital ratio was 13.19% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 58892
- Headquarters
- Springfield, MO
- Established
- 2008
- Total assets, Q2 2026
- $2.38B
- Assets vs Q2 2025
- +0.7%
- CET1 ratio, Q2 2026
- 13.19%
- Domestic offices
- 13 FDIC institution directory, current count
- Routing number
- 086519421
- Holding company
- QCR HOLDINGS, INC.
- Asset rank in state
- 17th of 191 in Missouri
Guaranty Bank, based in Springfield, Missouri, reported $2.4 billion in assets at June 30, 2026. It returns 4.1% a year on shareholders' equity, about a third the median of 12.6% for the 895 banks with $1 billion to $10 billion in assets. It also holds commercial real estate loans worth 3.9 times its capital, higher than about 9 in 10 banks its size (median 2.2 times).
The commercial and industrial book ($207 million) is worsening: 2.81% of it is past due or on nonaccrual, up from 0.76% a year earlier. Net income for the quarter slipped 19% from a year earlier, to $4.0 million. Funding is the softer spot: it pays an average of 2.76% on its deposits and borrowings, higher than about three-quarters of banks its size (median 2.01%).
As of June 30, 2026, Guaranty Bank reported a CET1 capital ratio of 13.19%, a return on assets of 0.66%, a nonperforming-loan ratio of 0.88% and a Texas ratio of 5.28%. The figures come from its call report filed with the FFIEC.
Of the 191 banks headquartered in Missouri, Guaranty Bank is the 17th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 1.6% to $2.38B, loans fell 3.4% and deposits rose 5.8%. Non-owner-occupied commercial real estate loans made up 25.2% of its total loans on June 30, 2026, its largest category; next came multifamily loans at 21.7%. The FDIC Summary of Deposits lists 13 offices for it, in 6 cities in MO; its Springfield 6 offices book 79% of its branch deposits. By the capital ratios in its Q2 2026 call report, Guaranty Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 2144 E Republic Rd, Springfield, MO 65804
- County
- Greene
- Metro Area
- Springfield, MO
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- October 24, 2008
- Domestic offices
- 13 FDIC institution directory, current count
- Employees (FTE)
- 193
- Domestic deposits
- $1.88B
- Allowance for credit losses
- $28.1M
- Net charge-offs (YTD)
- $29K
- Average total assets
- $2.43B
- Average total loans
- $1.88B
- Average interest-bearing deposits
- $1.51B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 24, 2008
- FDIC Cert
- 58892
- Fed RSSD
- 3804535
- SEC CIK
- 906465 → filed by QCR HOLDINGS, INC.
- Website
- www.gbankmo.com →
- Parent Holding Company
- QCR HOLDINGS, INC. (RSSD 2125813) · QCRH
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Larry J Helling | CEO | CEO, QCRH & CRBT |
| Laura L Ekizian | PRES | President & CEO, QCBT |
| Todd A Gipple | PRES | President & CFO |
| Reba K Winter | COO | EVP, COO |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Guaranty Bank's total assets ranged from $2.24B (Q3 2023) to $2.45B (Q3 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$2.38B total assets against $2.37B; $1.99B total liabilities against $1.98B.
$1.81B net loans and leases against $1.81B; $1.88B total deposits against $1.87B.
$288.4M securities against $260.6M; $29.7M cash and balances due against $35.9M.
$29.9M total interest income against $30.4M; $14.0M total interest expense against $16.0M.
$15.9M net interest income against $14.4M.
$3.6M total noninterest income against $3.3M; $11.9M total noninterest expense against $12.4M.
$4.7M provision for credit losses against $619K.
$4.0M net income against $5.0M.
0.66% return on assets against 0.84%; 3.09% net interest margin against 2.89%.
13.19% CET1 capital ratio against 13.50%; 12.34% tier 1 leverage ratio against 12.65%.
Inside the full Guaranty Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Guaranty Bank rankings
Its closest position to the top of a national ranking is 511 of 4,196, for total assets; its furthest is 3,075 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.66% (Q2 2026) to 1.30% (Q3 2025) and its net interest margin ran from 2.75% (Q3 2024) to 3.24% (Q1 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.19% | 0.66% | 0.88% | 5.28% | 3.09% |
| Q1 2026 | 13.04% | 1.23% | 0.83% | 5.33% | 3.24% |
| Q4 2025 | 12.98% | 1.09% | 0.87% | 5.64% | 3.18% |
| Q3 2025 | 12.95% | 1.30% | 1.02% | 6.54% | 3.02% |
| Q2 2025 | 13.50% | 0.84% | 0.69% | 4.34% | 2.89% |
| Q1 2025 | 13.49% | 0.72% | 0.64% | 4.10% | 2.82% |
| Q4 2024 | 13.08% | 0.90% | 0.66% | 4.30% | 2.80% |
| Q3 2024 | 12.71% | 1.27% | 0.37% | 2.42% | 2.75% |
Swipe the table sideways to see every column.
Branch Network
View all 13 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Guaranty Bank (main office) | Springfield , MO | 65804 | $648.6M |
| 2006 South Glenstone Avenue Branch | Springfield , MO | 65804 | $417.1M |
| Battlefield Branch | Springfield , MO | 65807 | $258.1M |
| Guaranty Bank - North Ozark Branch | Ozark , MO | 65721 | $126.4M |
| Guaranty Bank - South Nixa Office | Nixa , MO | 65714 | $94.2M |
| 4343 South National Avenue Branch | Springfield , MO | 65810 | $84.6M |
| Carthage Branch | Carthage , MO | 64836 | $83.5M |
| 2109 N Glenstone Branch | Springfield , MO | 65803 | $49.1M |
| West Kearney Branch | Springfield , MO | 65803 | $35.8M |
| Neosho Branch | Neosho , MO | 64850 | $33.6M |
| Joplin Branch | Joplin , MO | 64804 | $25.2M |
| Mcclelland Branch | Joplin , MO | 64804 | $18.5M |
| Joplin Range Line Road Branch | Joplin , MO | 64804 | $4.7M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 2, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 2, 2022 | Structure Change | Acquired Guaranty Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.7% of deposits in MO, rank 24 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 383 applications, 327 loans originated, $108.3M originated, across 10 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 3 loans, $610K approved, $204K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Guaranty Bank
What are Guaranty Bank's total assets?
As of the Q2 2026 filing, Guaranty Bank reported total assets of $2.38 billion in its FFIEC call report.
Where is Guaranty Bank headquartered?
It is headquartered in Springfield, MO, United States.
When was Guaranty Bank founded?
It was established in 2008, per the FDIC institution directory.
Is Guaranty Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #58892). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Guaranty Bank?
Guaranty Bank's primary federal regulator is the Federal Reserve.
What is Guaranty Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.19% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Guaranty Bank operate?
It operates 13 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Guaranty Bank's Texas Ratio?
Its Texas Ratio is 5.28% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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