Guaranty Bank Inc.: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The largest change between Q1 2026 and Q2 2026 was in Equity capital to total assets, which fell 0.28 percentage points to 13.28%. Guaranty Bank Inc. ranks 5th of 15 West Virginia banks on CET1 ratio, in the upper half at 17.97% (Q2 2026). Guaranty Bank Inc. reported 17.97% on CET1 ratio for Q2 2026, 2.90 points above the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 17.97% |
| Tier 1 risk-based capital ratio | 17.97% |
| Total risk-based capital ratio | 19.23% |
| Tier 1 leverage ratio | 13.62% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $20.4M |
| Tier 1 capital | $20.4M |
| Total risk-based capital | $21.9M |
| Total equity capital | $20.2M |
| Risk-weighted assets | $113.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.28% |
| Tangible equity to tangible assets | 13.28% |
| Equity capital to average assets | 13.49% |
| Internal capital growth rate | -1.23% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.5M |
| Common stock surplus | $9.2M |
| Retained earnings | $9.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$196K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 18.40% | 18.40% | 19.66% | 13.03% | $98.1M |
| Q4 2023 | 18.21% | 18.21% | 19.47% | 12.93% | $98.5M |
| Q1 2024 | 18.20% | 18.20% | 19.46% | 13.16% | $100.1M |
| Q2 2024 | 17.51% | 17.51% | 18.77% | 13.03% | $105.0M |
| Q3 2024 | 17.95% | 17.95% | 19.20% | 13.28% | $104.5M |
| Q4 2024 | 18.02% | 18.02% | 19.28% | 13.28% | $104.9M |
| Q1 2025 | 18.04% | 18.04% | 19.30% | 13.63% | $107.9M |
| Q2 2025 | 18.10% | 18.10% | 19.36% | 13.84% | $108.3M |
| Q3 2025 | 17.92% | 17.92% | 19.18% | 14.05% | $111.3M |
| Q4 2025 | 17.62% | 17.62% | 18.88% | 13.88% | $114.6M |
| Q1 2026 | 17.91% | 17.91% | 19.17% | 13.76% | $113.4M |
| Q2 2026 | 17.97% | 17.97% | 19.23% | 13.62% | $113.7M |
Guaranty Bank Inc. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Guaranty Bank Inc., freeSource: Call Report Schedule RC-R, 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 Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22273) · FFIEC NIC profile (RSSD 706236)