Guaranty Bank and Trust Company: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) climbed 9.10 percentage points in Q2 2026, from 238.35% to 247.46%. It was the largest change from Q1 2026 among the key lines here. Within Mississippi, Guaranty Bank and Trust Company is 15th of 57 on loan-to-deposit ratio, 83.24% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Guaranty Bank and Trust Company sits 4.96 points lower, at 83.24% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $2.20B |
| Net loans and leases | $2.17B |
| Loans held for sale | $5.1M |
| Loans to total assets | 71.82% |
| Loan-to-deposit ratio | 83.24% |
| Net loans to equity capital | 6.37% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 33.50% |
| Multifamily (5+ residential) | 5.13% |
| Commercial and industrial | 11.61% |
| Consumer | 1.93% |
| Credit cards | 0.11% |
| Farm | 6.09% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.98% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 247.46% |
| Construction concentration (Tier 1 capital + allowance) | 82.55% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $39.0M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $1.35B | $1.69B | 35.74% | 15.68% | 0.89% |
| Q4 2023 | $1.63B | $1.91B | 32.64% | 14.40% | 2.69% |
| Q1 2024 | $1.68B | $2.11B | 32.93% | 13.63% | 2.53% |
| Q2 2024 | $1.74B | $2.06B | 33.07% | 13.26% | 2.48% |
| Q3 2024 | $1.96B | $2.26B | 31.51% | 12.99% | 2.49% |
| Q4 2024 | $2.02B | $2.31B | 32.51% | 11.94% | 2.43% |
| Q1 2025 | $2.00B | $2.39B | 33.90% | 11.82% | 2.25% |
| Q2 2025 | $2.02B | $2.37B | 33.76% | 12.12% | 2.18% |
| Q3 2025 | $2.04B | $2.43B | 34.35% | 11.87% | 2.15% |
| Q4 2025 | $2.06B | $2.55B | 34.56% | 11.35% | 2.12% |
| Q1 2026 | $2.10B | $2.65B | 33.31% | 11.41% | 2.00% |
| Q2 2026 | $2.20B | $2.65B | 33.50% | 11.61% | 1.93% |
Guaranty Bank and Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Guaranty Bank and Trust Company, freeSource: Call Report Schedule RC-C, 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)