Guaranty Bank and Trust Company: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Loans and leases to core deposits climbed 3.59 percentage points in Q2 2026, from 87.17% to 90.76%. It was the largest change from Q1 2026 among the key lines here. Guaranty Bank and Trust Company ranks 56th of 103 Louisiana banks on loan-to-deposit ratio, in the lower half at 80.11% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; Guaranty Bank and Trust Company reported 80.11% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $22.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $85.5M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 80.11% |
| Net loans and leases to deposits | 79.18% |
| Loans and leases to core deposits | 90.76% |
| Core deposits to total deposits | 88.26% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 93.26% | 93.02% | $0 | $10.6M |
| Q4 2023 | 88.10% | 92.29% | $0 | $14.4M |
| Q1 2024 | 84.18% | 91.67% | $0 | $1.1M |
| Q2 2024 | 85.91% | 89.64% | $0 | $851K |
| Q3 2024 | 87.74% | 89.05% | $0 | $597K |
| Q4 2024 | 80.48% | 89.51% | $0 | $341K |
| Q1 2025 | 78.76% | 89.71% | $0 | $85K |
| Q2 2025 | 86.08% | 89.77% | $10.0M | $0 |
| Q3 2025 | 88.86% | 89.41% | $0 | $0 |
| Q4 2025 | 83.99% | 89.95% | $0 | $0 |
| Q1 2026 | 77.81% | 89.27% | $0 | $0 |
| Q2 2026 | 80.11% | 88.26% | $0 | $0 |
Guaranty Bank and Trust Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Guaranty Bank and Trust Company, freeSource: Call Report Schedules RC and RC-M, 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)