Guaranty Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 25.16 percentage points higher than in Q1 2026, at 173.41%. Guaranty Bank has the 16th lowest return on assets of the 192 banks headquartered in Missouri, at 0.66% as of Q2 2026. The median for banks in the $1B-10B asset tier is 1.28% on return on assets. Guaranty Bank sits 0.62 points lower, at 0.66% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.19% |
| Tier 1 risk-based capital ratio | 13.19% |
| Total risk-based capital ratio | 14.44% |
| Tier 1 leverage ratio | 12.34% |
| Equity capital to assets | 16.54% |
| Tangible equity to tangible assets | 12.21% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.88% |
| Non-performing assets ratio | 0.69% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 5.43% |
| Allowance for credit losses to loans | 1.53% |
| Reserve coverage of non-performing loans | 173.41% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.66% |
| Return on equity | 4.07% |
| Net interest margin | 3.09% |
| Efficiency ratio | 53.03% |
| Yield on earning assets | 5.65% |
| Cost of funds | 2.76% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 97.60% |
| Core deposits to total deposits | 77.46% |
| Brokered deposits to total deposits | 17.36% |
| Deposits to assets | 78.85% |
| Securities to assets | 12.10% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.43% | 11.43% | 12.53% | 11.22% | 1.22% |
| Q4 2023 | 11.58% | 11.58% | 12.68% | 11.41% | 1.40% |
| Q1 2024 | 12.00% | 12.00% | 13.11% | 11.51% | 0.87% |
| Q2 2024 | 12.16% | 12.16% | 13.26% | 11.54% | 1.40% |
| Q3 2024 | 12.71% | 12.71% | 13.78% | 11.89% | 1.27% |
| Q4 2024 | 13.08% | 13.08% | 14.26% | 12.15% | 0.90% |
| Q1 2025 | 13.49% | 13.49% | 14.70% | 12.55% | 0.72% |
| Q2 2025 | 13.50% | 13.50% | 14.70% | 12.65% | 0.84% |
| Q3 2025 | 12.95% | 12.95% | 14.19% | 12.19% | 1.30% |
| Q4 2025 | 12.98% | 12.98% | 14.13% | 12.03% | 1.09% |
| Q1 2026 | 13.04% | 13.04% | 14.18% | 12.43% | 1.23% |
| Q2 2026 | 13.19% | 13.19% | 14.44% | 12.34% | 0.66% |
Guaranty Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Guaranty Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)