Guaranty Bank and Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Guaranty Bank and Trust Company of New Roads, LA against its peer group of 2672 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 | 1.23% | 1.34% | -0.11% | 48th below |
| ROAE | 9.33% | 13.32% | -3.99% | 32nd below |
| Net Interest Margin | 4.75% | 3.93% | +0.82% | 87th top |
| Efficiency Ratio | 63.86% | 61.14% | +2.72% | 42nd below |
| PPNR / Avg Assets | 1.70% | 1.68% | +0.02% | 57th above |
| Yield on Earning Assets | 6.16% | 5.67% | +0.49% | 76th top |
| Cost of Funds | 1.56% | 1.88% | -0.32% | 66th above |
| Net Interest Spread | 4.02% | 3.32% | +0.70% | 84th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 3.08% | 0.94% | +2.14% | 6th bottom |
| NPA / Total Assets | 2.18% | 0.70% | +1.48% | 6th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.02% | 0.16% | -0.14% | 35th below |
| ACL / Total Loans | 1.16% | 1.28% | -0.12% | 45th below |
| ACL / NPLs (Coverage) | 37.54% | 1539.18% | -1501.64% | 6th bottom |
| Texas Ratio | 19.61% | 7.33% | +12.28% | 8th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 843.75% | 1395.75% | -552.00% | 79th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 21.50% | 19.50% | +2.00% | 81st top |
| Tier 1 Ratio | 21.50% | 19.53% | +1.97% | 81st top |
| Total Capital Ratio | 22.72% | 20.62% | +2.10% | 81st top |
| Leverage Ratio | 13.82% | 12.14% | +1.68% | 80th top |
| Equity / Assets | 13.50% | 11.37% | +2.13% | 82nd top |
| TCE / Tangible Assets | 13.50% | 11.09% | +2.41% | 83rd top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 80.11% | 80.64% | -0.53% | 51st above |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.26% | 86.86% | +1.40% | 45th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.16% | 6.85% | -4.69% | 33rd below |
| Loan Growth (Y/Y) | -2.16% | 7.91% | -10.07% | 14th bottom |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.13% | 6.29% | -1.16% | 58th above |
See Guaranty Bank and Trust Company's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Guaranty Bank and Trust Company, 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 and Trust Company profile, how to read a UBPR, or how this data updates.