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 Belzoni, MS against its peer group of 931 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 Behind the peer average, ahead of the median peer. | 1.32% | 1.46% | -0.14% | 54th above |
| ROAE | 11.71% | 12.72% | -1.01% | 46th below |
| Net Interest Margin | 4.36% | 3.85% | +0.51% | 84th top |
| Efficiency Ratio | 56.33% | 57.41% | -1.08% | 57th above |
| PPNR / Avg Assets | 1.95% | 1.88% | +0.07% | 66th above |
| Yield on Earning Assets | 6.46% | 5.72% | +0.74% | 88th top |
| Cost of Funds | 2.49% | 2.02% | +0.47% | 22nd bottom |
| Net Interest Spread | 3.78% | 3.18% | +0.60% | 86th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.03% | 1.00% | +1.03% | 10th bottom |
| NPA / Total Assets | 1.64% | 0.76% | +0.88% | 10th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.09% | 0.43% | -0.34% | 31st below |
| ACL / Total Loans | 1.40% | 1.31% | +0.09% | 81st top |
| ACL / NPLs (Coverage) | 69.06% | 543.93% | -474.87% | 16th bottom |
| Texas Ratio | 15.18% | 7.38% | +7.80% | 12th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 349.25% | 618.98% | -269.73% | 70th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.42% | 11.44% | -1.02% | 48th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.12% | 11.34% | -0.22% | 62nd above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 9.97% | 10.50% | -0.53% | 55th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 83.24% | 86.96% | -3.72% | 63rd above |
| Core Deposit Ratio | 81.40% | 85.56% | -4.16% | 24th bottom |
| Uninsured Deposit Ratio | 24.45% | 33.13% | -8.68% | 73rd above |
| Wholesale Funding Ratio | 1.77% | 5.71% | -3.94% | 71st above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.72% | 9.68% | -1.96% | 66th above |
| Loan Growth (Y/Y) | 9.15% | 8.05% | +1.10% | 71st above |
| Deposit Growth (Y/Y) | 11.78% | 7.86% | +3.92% | 80th top |
See Guaranty Bank and Trust Company's peers by name
The 931 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.