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: 12.5% higher than in Q1 2026, at -$6.1M.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.42% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $308.2M |
| Tier 1 capital | $308.2M |
| Total risk-based capital | — |
| Total equity capital | $341.4M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.12% |
| Tangible equity to tangible assets | 9.97% |
| Equity capital to average assets | 11.39% |
| Internal capital growth rate | 8.52% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $328K |
| Common stock surplus | $184.5M |
| Retained earnings | $162.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$6.1M |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 10.28% | 8.97% | 8.64% |
| Q4 2023 | 9.36% | 10.02% | 8.58% |
| Q1 2024 | 9.51% | 10.20% | 8.78% |
| Q2 2024 | 9.44% | 10.09% | 8.72% |
| Q3 2024 | 9.23% | 10.46% | 9.09% |
| Q4 2024 | 9.61% | 10.36% | 9.00% |
| Q1 2025 | 9.80% | 10.63% | 9.31% |
| Q2 2025 | 10.15% | 11.08% | 9.76% |
| Q3 2025 | 10.30% | 10.90% | 9.66% |
| Q4 2025 | 10.18% | 11.39% | 10.15% |
| Q1 2026 | 10.32% | 11.07% | 9.88% |
| Q2 2026 | 10.42% | 11.12% | 9.97% |
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 15953) · FFIEC NIC profile (RSSD 84541)