Guaranty Bank INC.
Asset quality shifted last quarter — NPLs rose to 1.93% from 1.18% in the prior period. This quarter marks the 50-year anniversary of Guaranty Bank Inc's 1976 charter. Guaranty Bank Inc. is a locally rooted FDIC-insured community bank based in Williamson, WV, during the regulated-rate era. The Q1 2026 balance sheet stands at $149M in assets, including $119M in loans. Returns are subdued: 0.30% ROA and 2.18% ROE. Regulatory capital is solid — 17.91% CET1 and 19.17% total risk-based capital ratio. Credit conditions bear watching: 1.93% NPL ratio with a 10.84% Texas Ratio (elevated but below the 100% concern level). 3 branches make up the footprint.
Headquarters Profile
- Address
- 10 Commerce Dr, WILLIAMSON, WV 25661
- County
- Mingo
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- Fed District
- 5
- Established
- May 17, 1976
- Branches
- 3 domestic
- Employees (FTE)
- 40
- FDIC Cert
- 22273
- Fed RSSD
- 706236
- Website
- www.Guarantybank.us →
Capital & Liquidity
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Guaranty Bank INC. rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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Frequently asked about Guaranty Bank INC.
What are Guaranty Bank INC.'s total assets?
As of the Q1 2026 filing, Guaranty Bank INC. reported total assets of $148.7 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Guaranty Bank INC. headquartered?
Guaranty Bank INC. is headquartered in WILLIAMSON, WV, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Guaranty Bank INC. founded?
Guaranty Bank INC. was established in 1976, per the FDIC institution directory.
Is Guaranty Bank INC. FDIC-insured?
Yes. Guaranty Bank INC. is an FDIC-insured commercial bank (FDIC Certificate #22273). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Guaranty Bank INC.?
Guaranty Bank INC.'s primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Guaranty Bank INC.'s CET1 capital ratio?
Guaranty Bank INC. reported a Common Equity Tier 1 (CET1) capital ratio of 17.91% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Guaranty Bank INC. operate?
Guaranty Bank INC. operates 3 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Guaranty Bank INC.'s Texas Ratio?
Guaranty Bank INC.'s Texas Ratio is 10.84% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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