Guaranty Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 16.13 percentage points lower than in Q1 2026, at 385.26%. Guaranty Bank ranks 31st of 192 Missouri banks on loan-to-deposit ratio, in the upper half at 97.60% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Guaranty Bank sits 9.40 points higher, at 97.60% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.83B |
| Net loans and leases | $1.81B |
| Loans held for sale | $3.3M |
| Loans to total assets | 76.96% |
| Loan-to-deposit ratio | 97.60% |
| Net loans to equity capital | 4.58% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 33.14% |
| Multifamily (5+ residential) | 21.75% |
| Commercial and industrial | 11.27% |
| Consumer | 0.62% |
| Credit cards | 0.00% |
| Farm | 1.51% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.04% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 385.26% |
| Construction concentration (Tier 1 capital + allowance) | 110.22% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.61% |
| Interest income on loans | $26.2M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $1.75B | $1.72B | 32.45% | 13.50% | 0.78% |
| Q4 2023 | $1.76B | $1.77B | 33.57% | 13.84% | 0.78% |
| Q1 2024 | $1.81B | $1.74B | 33.29% | 14.01% | 1.02% |
| Q2 2024 | $1.85B | $1.79B | 34.72% | 13.95% | 1.03% |
| Q3 2024 | $1.83B | $1.78B | 34.44% | 13.84% | 1.05% |
| Q4 2024 | $1.81B | $1.82B | 35.39% | 16.06% | 1.08% |
| Q1 2025 | $1.79B | $1.84B | 33.72% | 14.91% | 0.99% |
| Q2 2025 | $1.83B | $1.87B | 34.09% | 13.44% | 0.97% |
| Q3 2025 | $1.90B | $1.84B | 33.64% | 13.38% | 0.87% |
| Q4 2025 | $1.87B | $1.83B | 34.01% | 12.90% | 0.83% |
| Q1 2026 | $1.90B | $1.78B | 33.19% | 12.85% | 0.73% |
| Q2 2026 | $1.83B | $1.88B | 33.14% | 11.27% | 0.62% |
Guaranty Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Guaranty Bank, freeSource: Call Report Schedule RC-C, 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)