Guaranty Bank and Trust Company (New Roads, LA)
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Data as of · sourced from FFIEC call reports. How we update
Guaranty Bank and Trust Company is an FDIC-insured commercial bank headquartered in New Roads, LA, established in 1957 (FDIC certificate 17767), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $318.5M, up 2.2% from Q2 2025, the 57th largest of 102 banks headquartered in Louisiana. Its CET1 capital ratio was 21.50% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 17767
- Headquarters
- New Roads, LA
- Established
- 1957
- Total assets, Q2 2026
- $318.5M
- Assets vs Q2 2025
- +2.2%
- CET1 ratio, Q2 2026
- 21.50%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 065204980
- Latest call report
- Q2 2026, FFIEC 051 · Guaranty Bank and Trust Company call report
- Holding company
- GREAT GUARANTY BANCSHARES, INC.
- Asset rank in state
- 57th of 102 in Louisiana
Guaranty Bank and Trust Company, based in New Roads, Louisiana, reported $319 million in assets at June 30, 2026, up 2.2% from a year earlier. It carries problem assets equal to 19.6% of the capital and reserves that would absorb them, 7.4 times the median of 2.6% for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it keeps 4.75 cents of net interest income on every dollar of earning assets, higher than about three-quarters of banks its size (median 3.95 cents).
Loans and deposits moved in opposite directions: over the year loans fell 2.2% and deposits rose 5.1%.
As of June 30, 2026, Guaranty Bank and Trust Company reported a CET1 capital ratio of 21.50%, a return on assets of 1.23%, a nonperforming-loan ratio of 3.99% and a Texas ratio of 19.61%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Guaranty Bank and Trust Company is the 57th largest of the 102 banks headquartered in Louisiana. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 1.4% to $318.5M, loans rose 0.9% and deposits fell 1.9%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 43.4% of total loans, ahead of owner-occupied commercial real estate loans at 15.2%. Its 7 offices in the FDIC Summary of Deposits are in 7 cities in LA; its New Roads office books 49% of its branch deposits. Judged on its Q2 2026 call report, Guaranty Bank and Trust Company meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 175 New Roads St, New Roads, LA 70760
- County
- Pointe Coupee
- Metro Area
- Baton Rouge, LA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- June 29, 1957
- Former names
- Team Bank and Trust Company (1991-1994)
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 74
- Domestic deposits
- $274.8M
- Allowance for credit losses
- $2.5M
- Net charge-offs (YTD)
- $16K
- Average total assets
- $323.1M
- Average total loans
- $219.3M
- Average interest-bearing deposits
- $205.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 29, 1957
- FDIC Cert
- 17767
- Fed RSSD
- 289739
- Website
- guaranty-bnk.com →
- Parent Holding Company
- GREAT GUARANTY BANCSHARES, INC. (RSSD 1083158)
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
Over the 12 quarters to Q2 2026, Guaranty Bank and Trust Company's total assets ran between $288.2M (Q3 2023) and $323.0M (Q1 2026), 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
$318.5M total assets against $311.8M; $275.5M total liabilities against $272.0M.
$217.5M net loans and leases against $222.6M; $274.8M total deposits against $261.4M.
$63.0M securities against $61.5M; $22.5M cash and balances due against $12.3M.
$4.7M total interest income against $4.7M; $1.1M total interest expense against $1.0M.
$3.7M net interest income against $3.7M.
$163K total noninterest income against $175K; $2.4M total noninterest expense against $2.4M.
$60K provision for credit losses against $176K.
$993K net income against $960K.
1.23% return on assets against 1.21%; 4.75% net interest margin against 4.90%.
21.50% CET1 capital ratio against 19.85%; 13.82% tier 1 leverage ratio against 13.26%.
Inside the full Guaranty Bank and Trust Company 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.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Guaranty Bank and Trust Company rankings
Its closest position to the top of a national ranking is 178 of 3,640, for Texas Ratio; its furthest is 2,235 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.09% (Q3 2025) to 1.50% (Q4 2024) and its net interest margin ran from 4.61% (Q3 2024) to 4.90% (Q2 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 21.50% | 1.23% | 3.99% | 19.61% | 4.75% |
| Q1 2026 | 21.12% | 1.28% | 4.20% | 21.93% | 4.65% |
| Q4 2025 | 20.68% | 1.10% | 3.52% | 19.61% | 4.89% |
| Q3 2025 | 19.98% | 1.09% | 3.15% | 18.79% | 4.87% |
| Q2 2025 | 19.85% | 1.21% | 4.02% | 22.80% | 4.90% |
| Q1 2025 | 21.66% | 1.16% | 2.26% | 14.91% | 4.64% |
| Q4 2024 | 22.19% | 1.50% | 1.99% | 12.70% | 4.65% |
| Q3 2024 | 21.27% | 1.10% | 2.02% | 13.02% | 4.61% |
Swipe the table sideways to see every column.
Branch Network
View all 7 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 and Trust Company (main office) | New Roads , LA | 70760 | $135.3M |
| Livonia Branch | Livonia , LA | 70755 | $37.5M |
| Port Allen Branch | Port Allen , LA | 70767 | $29.7M |
| Maringouin Br | Maringouin , LA | 70757 | $25.3M |
| Zachary Branch | Zachary , LA | 70791 | $18.3M |
| Grosse Tete Branch | Grosse Tete , LA | 70740 | $17.0M |
| Florida Boulevard Branch | Baton Rouge , LA | 70806 | $11.6M |
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 |
|---|---|---|---|
| March 23, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 21, 2015 | M&A | Acquired Bank of Maringouin merger for the acquired bank | SEC |
| March 21, 2015 | Structure Change | Acquired Bank of Maringouin Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 28, 2002 | Delisting | deregistration | SEC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in LA, rank 67 of 118 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $122K approved, $61K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1991 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 and Trust Company
What are Guaranty Bank and Trust Company's total assets?
As of the Q2 2026 filing, Guaranty Bank and Trust Company reported total assets of $318.5 million in its FFIEC call report.
Where is Guaranty Bank and Trust Company headquartered?
It is headquartered in New Roads, LA, United States.
When was Guaranty Bank and Trust Company founded?
It was established in 1957, per the FDIC institution directory.
Is Guaranty Bank and Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #17767). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Guaranty Bank and Trust Company?
Guaranty Bank and Trust Company's primary federal regulator is the FDIC.
What is Guaranty Bank and Trust Company's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 21.50% 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 and Trust Company operate?
It operates 7 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 and Trust Company's Texas Ratio?
Its Texas Ratio is 19.61% 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.
What was Guaranty Bank and Trust Company previously called?
The charter now named Guaranty Bank and Trust Company has also operated as Team Bank and Trust Company (1991-1994), per FDIC structure-change records.
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