Guaranty Bank and Trust Company: 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: 7.9% lower than in Q1 2026, at -$1.6M. Guaranty Bank and Trust Company ranks 16th of 46 Louisiana banks on CET1 ratio, in the upper half at 21.50% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Guaranty Bank and Trust Company sits 6.42 points higher, at 21.50% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 21.50% |
| Tier 1 risk-based capital ratio | 21.50% |
| Total risk-based capital ratio | 22.72% |
| Tier 1 leverage ratio | 13.82% |
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 | $44.6M |
| Tier 1 capital | $44.6M |
| Total risk-based capital | $47.2M |
| Total equity capital | $43.0M |
| Risk-weighted assets | $207.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.50% |
| Tangible equity to tangible assets | 13.50% |
| Equity capital to average assets | 13.31% |
| Internal capital growth rate | 9.43% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $722K |
| Common stock surplus | $11.7M |
| Retained earnings | $32.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.6M |
| 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 | 18.67% | 18.67% | 19.79% | 12.99% | $203.1M |
| Q4 2023 | 19.59% | 19.59% | 20.73% | 13.23% | $199.6M |
| Q1 2024 | 20.22% | 20.22% | 21.37% | 13.14% | $197.8M |
| Q2 2024 | 20.54% | 20.54% | 21.65% | 13.23% | $193.9M |
| Q3 2024 | 21.27% | 21.27% | 22.43% | 13.74% | $191.1M |
| Q4 2024 | 22.19% | 22.19% | 23.39% | 13.70% | $184.5M |
| Q1 2025 | 21.66% | 21.66% | 22.78% | 13.05% | $193.3M |
| Q2 2025 | 19.85% | 19.85% | 20.95% | 13.26% | $211.1M |
| Q3 2025 | 19.98% | 19.98% | 21.06% | 14.13% | $213.9M |
| Q4 2025 | 20.68% | 20.68% | 21.83% | 14.40% | $210.6M |
| Q1 2026 | 21.12% | 21.12% | 22.33% | 13.66% | $206.6M |
| Q2 2026 | 21.50% | 21.50% | 22.72% | 13.82% | $207.6M |
Guaranty Bank and Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Guaranty Bank and Trust Company, 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 and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17767) · FFIEC NIC profile (RSSD 289739)