Guaranty Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 14.5% higher than in Q1 2026, at -$9.0M. Guaranty Bank ranks 54th of 98 Missouri banks on CET1 ratio, in the lower half at 13.19% (Q2 2026). At 13.19%, Guaranty Bank's CET1 ratio is close to the 13.48% median for banks in the $1B-10B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.19% |
| Tier 1 risk-based capital ratio | 13.19% |
| Total risk-based capital ratio | 14.44% |
| Tier 1 leverage ratio | 12.34% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $285.6M |
| Tier 1 capital | $285.6M |
| Total risk-based capital | $312.7M |
| Total equity capital | $394.3M |
| Risk-weighted assets | $2.16B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 16.54% |
| Tangible equity to tangible assets | 12.21% |
| Equity capital to average assets | 16.21% |
| Internal capital growth rate | -1.01% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $40K |
| Common stock surplus | $278.4M |
| Retained earnings | $124.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$9.0M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 11.43% | 11.43% | 12.53% | 11.22% | $2.06B |
| Q4 2023 | 11.58% | 11.58% | 12.68% | 11.41% | $2.11B |
| Q1 2024 | 12.00% | 12.00% | 13.11% | 11.51% | $2.08B |
| Q2 2024 | 12.16% | 12.16% | 13.26% | 11.54% | $2.13B |
| Q3 2024 | 12.71% | 12.71% | 13.78% | 11.89% | $2.10B |
| Q4 2024 | 13.08% | 13.08% | 14.26% | 12.15% | $2.08B |
| Q1 2025 | 13.49% | 13.49% | 14.70% | 12.55% | $2.06B |
| Q2 2025 | 13.50% | 13.50% | 14.70% | 12.65% | $2.09B |
| Q3 2025 | 12.95% | 12.95% | 14.19% | 12.19% | $2.17B |
| Q4 2025 | 12.98% | 12.98% | 14.13% | 12.03% | $2.18B |
| Q1 2026 | 13.04% | 13.04% | 14.18% | 12.43% | $2.19B |
| Q2 2026 | 13.19% | 13.19% | 14.44% | 12.34% | $2.16B |
Guaranty Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Guaranty Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Guaranty Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58892) · FFIEC NIC profile (RSSD 3804535)