Guaranty Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Guaranty Bank of Springfield, MO against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.66% | 1.44% | -0.78% | 14th bottom |
| ROAE | 4.07% | 12.51% | -8.44% | 8th bottom |
| Net Interest Margin | 3.09% | 3.84% | -0.75% | 17th bottom |
| Efficiency Ratio | 53.03% | 58.88% | -5.85% | 66th above |
| PPNR / Avg Assets | 1.26% | 1.78% | -0.52% | 25th below |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.65% | 5.71% | -0.06% | 57th above |
| Cost of Funds | 2.76% | 2.03% | +0.73% | 13th bottom |
| Net Interest Spread | 2.36% | 3.18% | -0.82% | 15th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.88% | 0.96% | -0.08% | 37th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.69% | 0.75% | -0.06% | 37th below |
| NCO / Avg Loans | -0.00% | 0.31% | -0.31% | 82nd top |
| ACL / Total Loans | 1.53% | 1.25% | +0.28% | 87th top |
| ACL / NPLs (Coverage) | 173.41% | 699.42% | -526.01% | 49th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.43% | 7.16% | -1.73% | 46th below |
| Provision / NCO | 17093.10% | 792.76% | +16300.34% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.19% | 17.41% | -4.22% | 45th below |
| Tier 1 Ratio | 13.19% | 17.45% | -4.26% | 44th below |
| Total Capital Ratio | 14.44% | 18.51% | -4.07% | 46th below |
| Leverage Ratio | 12.34% | 11.59% | +0.75% | 79th top |
| Equity / Assets | 16.54% | 11.33% | +5.21% | 96th top |
| TCE / Tangible Assets | 12.21% | 10.65% | +1.56% | 84th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 97.60% | 86.34% | +11.26% | 23rd bottom |
| Core Deposit Ratio | 77.46% | 85.56% | -8.10% | 17th bottom |
| Uninsured Deposit Ratio | 27.67% | 32.71% | -5.04% | 61st above |
| Wholesale Funding Ratio | 3.94% | 5.45% | -1.51% | 50th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.70% | 10.47% | -9.77% | 20th bottom |
| Loan Growth (Y/Y) | 0.03% | 8.00% | -7.97% | 17th bottom |
| Deposit Growth (Y/Y) | 0.64% | 7.99% | -7.35% | 22nd bottom |
See Guaranty Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Guaranty Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Guaranty Bank profile, how to read a UBPR, or how this data updates.