Guaranty Bank and Trust Company (Belzoni, MS)
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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 Belzoni, MS, established in 1943 (FDIC certificate 15953), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $3.07B, up 7.7% from Q2 2025, the 7th largest of 57 banks headquartered in Mississippi. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.42% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 15953
- Headquarters
- Belzoni, MS
- Established
- 1943
- Total assets, Q2 2026
- $3.07B
- Assets vs Q2 2025
- +7.7%
- Tier 1 leverage ratio, Q2 2026
- 10.42%
- Domestic offices
- 42 FDIC institution directory, current count
- Routing number
- 084202251
- Latest call report
- Q2 2026, FFIEC 051 · Guaranty Bank and Trust Company call report
- Holding company
- GUARANTY CAPITAL CORPORATION
- Asset rank in state
- 7th of 57 in Mississippi
Guaranty Bank and Trust Company, based in Belzoni, Mississippi, reported $3.1 billion in assets at June 30, 2026, up 7.7% from a year earlier. It carries problem assets equal to 14.4% of the capital and reserves that would absorb them, 4.0 times the median of 3.6% for the 895 banks with $1 billion to $10 billion in assets. On the other hand, it keeps 4.36 cents of net interest income on every dollar of earning assets, higher than about three-quarters of banks its size (median 3.71 cents).
The commercial and industrial book ($257 million) is worsening: 7.66% of it is past due or on nonaccrual, up from 3.97% a year earlier. The non-owner-occupied commercial real estate book ($446 million) is worsening: 1.83% of it is past due or on nonaccrual, up from 0.26% a year earlier. Funding is the softer spot: it pays an average of 2.49% on its deposits and borrowings, higher than about three-quarters of banks its size (median 2.01%).
As of June 30, 2026, Guaranty Bank and Trust Company reported a return on assets of 1.32%, a nonperforming-loan ratio of 2.01% and a Texas ratio of 14.44%. The figures come from its call report filed with the FFIEC.
Guaranty Bank and Trust Company ranks as the 7th largest of the 57 banks based in Mississippi, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 1.9% to $3.07B, loans rose 4.9% and deposits fell 0.1%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 24.5% of total loans, ahead of non-owner-occupied commercial real estate loans at 20.2%. The FDIC Summary of Deposits lists 39 offices for it, in 30 cities across 2 states; its Belzoni office books 13% of its branch deposits. On its Q2 2026 call report, Guaranty Bank and Trust Company meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 210 N Hayden St, Belzoni, MS 39038
- County
- Humphreys
- 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 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- May 17, 1943
- Domestic offices
- 42 FDIC institution directory, current count
- Employees (FTE)
- 486
- Domestic deposits
- $2.65B
- Allowance for credit losses
- $30.9M
- Net charge-offs (YTD)
- $1.2M
- Average total assets
- $3.00B
- Average total loans
- $2.16B
- Average interest-bearing deposits
- $1.88B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 17, 1943
- FDIC Cert
- 15953
- Fed RSSD
- 84541
- SEC CIK
- 1157784 → filed by GUARANTY CAPITAL CORPORATION
- Website
- www.gbtonline.com →
- Parent Holding Company
- GUARANTY CAPITAL CORPORATION (RSSD 1096952)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Guaranty Bank and Trust Company reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Guaranty Bank and Trust Company's total assets moved between a low of $2.10B (Q3 2023) and a high of $3.07B (Q2 2026) from Q3 2023 to Q2 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
$3.07B total assets against $2.85B; $2.73B total liabilities against $2.53B.
$2.17B net loans and leases against $1.99B; $2.65B total deposits against $2.37B.
$530.9M securities against $562.3M; $158.0M cash and balances due against $85.5M.
$44.8M total interest income against $42.3M; $14.7M total interest expense against $15.6M.
$30.1M net interest income against $26.6M.
$5.3M total noninterest income against $5.4M; $20.8M total noninterest expense against $19.2M.
$2.0M provision for credit losses against $2.2M.
$9.9M net income against $8.3M.
1.32% return on assets against 1.16%; 4.36% net interest margin against 4.07%.
10.42% tier 1 leverage ratio against 10.15%.
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.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Guaranty Bank and Trust Company rankings
Its closest position to the top of a national ranking is 333 of 3,640, for Texas Ratio; its furthest is 717 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.88% (Q3 2024) to 1.32% (Q2 2026) and its net interest margin ran from 3.46% (Q3 2024) to 4.36% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.42% | 1.32% | 2.01% | 14.44% | 4.36% |
| Q1 2026 | 10.32% | 0.92% | 1.92% | 13.65% | 4.09% |
| Q4 2025 | 10.18% | 1.08% | 2.32% | 16.43% | 4.07% |
| Q3 2025 | 10.30% | 1.10% | 1.84% | 13.81% | 4.17% |
| Q2 2025 | 10.15% | 1.16% | 1.86% | 15.01% | 4.07% |
| Q1 2025 | 9.80% | 1.08% | 1.92% | 15.15% | 3.83% |
| Q4 2024 | 9.61% | 1.00% | 1.50% | 11.58% | 3.93% |
| Q3 2024 | 9.23% | 0.88% | 1.49% | 11.12% | 3.46% |
Swipe the table sideways to see every column.
Branch Network
View all 39 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) | Belzoni , MS | 39038 | $341.6M |
| East Memphis Branch | Memphis , TN | 38117 | $159.1M |
| Greenville Main Branch | Greenville , MS | 38701 | $151.6M |
| Starkville Branch | Starkville , MS | 39759 | $144.2M |
| University Branch | Oxford , MS | 38655 | $138.7M |
| Grenada Branch | Grenada , MS | 38901 | $136.8M |
| Batesville Branch | Batesville , MS | 38606 | $134.9M |
| Mcingvale Road Branch | Hernando , MS | 38632 | $130.7M |
| Hollandale Branch | Hollandale , MS | 38748 | $122.0M |
| Greenville South Shop. Ctr. Branch | Greenville , MS | 38701 | $121.3M |
| Iuka Branch | Iuka , MS | 38852 | $112.3M |
| Senatobia Branch | Senatobia , MS | 38668 | $110.5M |
| Cleveland Branch | Cleveland , MS | 38732 | $100.3M |
| Southaven Branch | Southaven , MS | 38672 | $86.3M |
| Fulton Office Branch | Fulton , MS | 38843 | $81.4M |
| Greenwood Branch | Greenwood , MS | 38930 | $55.4M |
| Belmont Main Branch | Belmont , MS | 38827 | $54.2M |
| Vicksburg | Vicksburg, , MS | 39180 | $44.4M |
| Booneville Branch | Booneville , MS | 38829 | $42.3M |
| Oakland Branch | Oakland , TN | 38060 | $40.6M |
| Ridgeland Branch | Ridgeland , MS | 39157 | $39.5M |
| Indianola Branch | Indianola , MS | 38751 | $37.7M |
| Calhoun County - Derma Branch | Derma , MS | 38839 | $36.9M |
| Burnsville Branch | Burnsville , MS | 38833 | $36.5M |
| Highway 82 East Branch | Greenville , MS | 38701 | $30.3M |
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 |
|---|---|---|---|
| September 23, 2024 | Structure Change | Acquired Oxford University Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 20, 2024 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 2, 2023 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 2, 2023 | Structure Change | Acquired First American National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 9, 2019 | Structure Change | Acquired First Alliance Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 8, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 8, 1998 | Structure Change | Acquired Bank of Hollandale Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 7, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 8 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 2.9% of deposits in MS, rank 8 of 80 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,482 applications, 1,045 loans originated, $256.0M originated, across 12 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 3 loans, $4.4M approved, $1.5M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 $3.07 billion in its FFIEC call report.
Where is Guaranty Bank and Trust Company headquartered?
It is headquartered in Belzoni, MS, United States.
When was Guaranty Bank and Trust Company founded?
It was established in 1943, per the FDIC institution directory.
Is Guaranty Bank and Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #15953). 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.
How many branches does Guaranty Bank and Trust Company operate?
It operates 42 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 14.44% 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.
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