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Guaranty Bank and Trust Company Locations & Branches Belzoni, Mississippi
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Guaranty Bank and Trust Company operates 39 branches from its headquarters in Belzoni, MS, .
Guaranty Bank and Trust Company branch network
Its 39 branches span 2 states and 30 cities. The most are in MISSISSIPPI (36) and TENNESSEE (3). MISSISSIPPI holds 91.7% of its branch deposits. Oxford, MS has the most of its branches, 4. Its largest office by deposits is its main office in Belzoni, MS, with $341.6M (12.9% of its branch deposits). On June 30, 2025 it had 40 branches, 1 more than in 2026.
Guaranty Bank and Trust Company at a glance
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.
- Total assets, Q2 2026
- $3.07B
- Tier 1 leverage ratio, Q2 2026
- 10.42%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Latest call report
- Q2 2026, FFIEC 051
- Established
- 1943
Full financial profile · Is Guaranty Bank and Trust Company safe? · Guaranty Bank and Trust Company call report · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Belzoni, MS (1 branch) | 1 of 2 | 79.0% | $341.6M |
| State: MS (36 branches) | 8 of 80 | 2.9% | $2.43B |
Ranked by total assets among banks headquartered in the state: Largest banks in Mississippi.
Share by county and metro area
Guaranty Bank and Trust Company's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Washington, MS (4 branches) | 1 of 8 | 33.3% | $425.1M | $1.28B |
| Humphreys, MS (1 branch) | 1 of 3 | 78.2% | $341.6M | $436.9M |
| Tishomingo, MS (4 branches) | 1 of 4 | 51.7% | $225.9M | $437.1M |
| Desoto, MS (3 branches) | 7 of 20 | 4.8% | $217.1M | $4.54B |
| Shelby, TN (2 branches) | 23 of 33 | 0.5% | $179.8M | $36.19B |
| Lafayette, MS (4 branches) | 5 of 17 | 7.6% | $166.1M | $2.19B |
| Oktibbeha, MS (1 branch) | 4 of 13 | 9.2% | $144.2M | $1.56B |
| Grenada, MS (1 branch) | 3 of 7 | 21.2% | $136.8M | $645.3M |
| Panola, MS (2 branches) | 2 of 6 | 16.4% | $134.9M | $823.0M |
| Tate, MS (1 branch) | 2 of 8 | 16.3% | $110.5M | $678.2M |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Memphis, TN-MS-AR (7 branches) | 17 of 48 | 1.2% | $548.0M | $46.19B |
| Greenville, MS (4 branches) | 1 of 8 | 33.3% | $425.1M | $1.28B |
| Tupelo, MS (6 branches) | 7 of 15 | 2.9% | $188.3M | $6.50B |
| Oxford, MS (4 branches) | 5 of 17 | 7.6% | $166.1M | $2.19B |
| Starkville, MS (1 branch) | 4 of 14 | 7.9% | $144.2M | $1.82B |
| Grenada, MS (1 branch) | 3 of 7 | 21.2% | $136.8M | $645.3M |
| Cleveland, MS (1 branch) | 5 of 9 | 10.8% | $100.3M | $932.9M |
| Greenwood, MS (1 branch) | 7 of 7 | 4.5% | $55.4M | $1.22B |
| Vicksburg, MS (2 branches) | 6 of 7 | 3.5% | $44.4M | $1.26B |
| Jackson, MS (1 branch) | 20 of 30 | 0.2% | $39.5M | $22.85B |
| 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 |
| Tishomingo Branch | Tishomingo, MS | 38873 | $22.9M |
| Amory Branch | Amory, MS | 38821 | $21.2M |
| Tupelo Branch | Tupelo, MS | 38804 | $21.0M |
| Uptown Memphis Branch | Memphis, TN | 38105 | $20.7M |
| Bank of Pontotoc | Pontotoc, MS | 38863 | $20.4M |
| Saltillo Branch | Saltillo, MS | 38866 | $15.4M |
| West Jackson Avenue Branch | Oxford, MS | 38655 | $14.5M |
| Oxford Branch | Oxford, MS | 38655 | $12.9M |
| Tupelo Branch - West Main | Tupelo, MS | 38804 | $7.8M |
| Corinth Branch | Corinth, MS | 38834 | $1.9M |
| Vicksburg Branch | Vicksburg, MS | 39180 | $0 |
| Guaranty Bank & Trust Company Branch | Oxford, MS | 38655 | $0 |
| Batesville Highway 6 E Branch | Batesville, MS | 38606 | $0 |
| Panola Street Branch | Hernando, MS | 38632 | $0 |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 15953) · FFIEC NIC profile (RSSD 84541)