Guaranty Bank and Trust Company: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Net interest margin rose 0.27 percentage points from Q1 2026 to Q2 2026, ending at 4.36% against 4.09%. It was the largest change among the key lines on this page. Within Mississippi, Guaranty Bank and Trust Company is 16th of 57 on net interest margin, 4.36% as of Q2 2026, above the middle of the field. Guaranty Bank and Trust Company reported 4.36% on net interest margin for Q2 2026, 0.65 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.46% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.49% |
| Cost of interest-bearing deposits | 2.71% |
| Cost of interest-bearing liabilities | 2.68% |
| Cost of borrowings | 3.88% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.36% |
| Yield to cost spread | 3.78% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $39.0M |
| Total interest expense | $14.7M |
| Interest expense on deposits | $14.7M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin |
|---|---|---|---|
| Q3 2023 | 5.36% | 2.42% | 3.07% |
| Q4 2023 | 5.96% | 2.56% | 3.54% |
| Q1 2024 | 6.12% | 2.52% | 3.63% |
| Q2 2024 | 6.10% | 2.99% | 3.42% |
| Q3 2024 | 6.24% | 2.95% | 3.46% |
| Q4 2024 | 6.60% | 2.83% | 3.93% |
| Q1 2025 | 6.24% | 2.52% | 3.83% |
| Q2 2025 | 6.43% | 2.55% | 4.07% |
| Q3 2025 | 6.50% | 2.47% | 4.17% |
| Q4 2025 | 6.36% | 2.43% | 4.07% |
| Q1 2026 | 6.19% | 2.23% | 4.09% |
| Q2 2026 | 6.46% | 2.49% | 4.36% |
Guaranty Bank and Trust Company yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Guaranty Bank and Trust Company, freeSource: Call Report Schedules RI and RC-K, 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)