Guaranty Bank Inc.
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Data as of · sourced from FFIEC call reports. How we update
Guaranty Bank Inc. is an FDIC-insured commercial bank headquartered in Williamson, WV, established in 1976 (FDIC certificate 22273), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $152.4M, up 8.1% from Q2 2025, the 33rd largest of 40 banks headquartered in West Virginia. Its CET1 capital ratio was 17.97% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 22273
- Headquarters
- Williamson, WV
- Established
- 1976
- Total assets, Q2 2026
- $152.4M
- Assets vs Q2 2025
- +8.1%
- CET1 ratio, Q2 2026
- 17.97%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 051501817
- Asset rank in state
- 33rd of 40 in West Virginia
Problem loans are rising at Guaranty Bank Inc.. Its balance sheet stood at $152 million at June 30, 2026, up 8.1% from a year earlier; it is based in Williamson, West Virginia. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.48% of loans from 1.78% a year earlier. It earns about $0.24 a year on every $100 of assets, a small fraction of the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 93 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Earnings fell sharply: quarterly net income of $90,000 was 71% below a year earlier. Its $39 million non-owner-occupied commercial real estate book is improving, with 2.42% past due or on nonaccrual, down from 4.82% a year earlier. Credit is the area to watch: it carries problem assets equal to 13.4% of the capital and reserves that would absorb them, 5.1 times the median of 2.6% for banks its size.
As of June 30, 2026, Guaranty Bank Inc. reported a CET1 capital ratio of 17.97%, a return on assets of 0.24%, a nonperforming-loan ratio of 2.48% and a Texas ratio of 13.44%. The figures come from its call report filed with the FFIEC.
Guaranty Bank Inc. ranks as the 33rd largest of the 40 banks based in West Virginia, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 2.5% to $152.4M, loans fell 1.3% and deposits rose 1.2%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 33.0% of total loans, ahead of 1-4 family residential loans at 32.4%. Its 5 offices in the FDIC Summary of Deposits are in 5 cities in WV; its Williamson office books 53% of its branch deposits. Judged on its Q2 2026 call report, Guaranty Bank Inc. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 10 Commerce Dr, Williamson, WV 25661
- County
- Mingo
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- May 17, 1976
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 41
- Domestic deposits
- $126.4M
- Allowance for credit losses
- $1.9M
- Net charge-offs (YTD)
- $45K
- Average total assets
- $150.0M
- Average total loans
- $117.3M
- Average interest-bearing deposits
- $100.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 17, 1976
- FDIC Cert
- 22273
- Fed RSSD
- 706236
- Website
- www.Guarantybank.us →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Guaranty Bank Inc.'s total assets ranged from $139.0M (Q1 2024) to $152.4M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$152.4M total assets against $140.9M; $132.1M total liabilities against $121.4M.
$115.2M net loans and leases against $116.0M; $126.4M total deposits against $117.7M.
$19.8M securities against $11.3M; $10.6M cash and balances due against $9.4M.
$2.3M total interest income against $2.2M; $746K total interest expense against $674K.
$1.5M net interest income against $1.5M.
$117K total noninterest income against $140K; $1.5M total noninterest expense against $1.3M.
$0 provision for credit losses against $0.
$90K net income against $309K.
0.24% return on assets against 0.87%; 4.26% net interest margin against 4.45%.
17.97% CET1 capital ratio against 18.10%; 13.62% tier 1 leverage ratio against 13.84%.
Inside the full Guaranty Bank Inc. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Guaranty Bank Inc. rankings
Its closest position to the top of a national ranking is 385 of 3,640, for Texas Ratio; its furthest is 3,506 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.24% (Q2 2026) to 1.44% (Q3 2024) and its net interest margin ran from 4.26% (Q1 2026) to 4.92% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.97% | 0.24% | 2.48% | 13.44% | 4.26% |
| Q1 2026 | 17.91% | 0.30% | 1.95% | 10.84% | 4.26% |
| Q4 2025 | 17.62% | 0.57% | 1.37% | 7.85% | 4.57% |
| Q3 2025 | 17.92% | 0.87% | 1.69% | 9.15% | 4.92% |
| Q2 2025 | 18.10% | 0.87% | 1.78% | 9.82% | 4.45% |
| Q1 2025 | 18.04% | 0.67% | 1.33% | 7.29% | 4.37% |
| Q4 2024 | 18.02% | 1.20% | 1.44% | 8.39% | 4.42% |
| Q3 2024 | 17.95% | 1.44% | 1.24% | 7.66% | 4.59% |
Swipe the table sideways to see every column.
Branch Network
View all 5 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Guaranty Bank Inc. (main office) | Williamson , WV | 25661 | $66.7M |
| Gilbert Branch | Gilbert , WV | 25621 | $26.0M |
| Delbarton Branch | Delbarton , WV | 25670 | $24.2M |
| Wayne Branch | Wayne , WV | 25570 | $7.8M |
| Charleston Branch | Charleston , WV | 25301 | $1.8M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in WV, rank 48 of 65 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $150K approved, $150K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2000 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Guaranty Bank Inc.
What are Guaranty Bank Inc.'s total assets?
As of the Q2 2026 filing, Guaranty Bank Inc. reported total assets of $152.4 million in its FFIEC call report.
Where is Guaranty Bank Inc. headquartered?
It is headquartered in Williamson, WV, United States.
When was Guaranty Bank Inc. founded?
It was established in 1976, per the FDIC institution directory.
Is Guaranty Bank Inc. FDIC-insured?
Yes. It 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.
What is Guaranty Bank Inc.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 17.97% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Guaranty Bank Inc. operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Guaranty Bank Inc.'s Texas Ratio?
Its Texas Ratio is 13.44% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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