Guaranty Bank Inc.: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) dropped 12.83 percentage points in Q2 2026, from 245.84% to 233.01%. It was the largest change from Q1 2026 among the key lines here. Within West Virginia, Guaranty Bank Inc. is 7th of 41 on loan-to-deposit ratio, 92.68% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Guaranty Bank Inc. sits 11.84 points higher, at 92.68% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $117.2M |
| Net loans and leases | $115.2M |
| Loans held for sale | $0 |
| Loans to total assets | 76.90% |
| Loan-to-deposit ratio | 92.68% |
| Net loans to equity capital | 5.69% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 43.52% |
| Multifamily (5+ residential) | 4.73% |
| Commercial and industrial | 8.30% |
| Consumer | 4.22% |
| Credit cards | 0.00% |
| Farm | 0.10% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 233.01% |
| Construction concentration (Tier 1 capital + allowance) | 35.33% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.61% |
| Interest income on loans | $1.9M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $113.3M | $116.4M | 38.49% | 10.91% | 3.55% |
| Q4 2023 | $113.3M | $116.6M | 40.06% | 10.31% | 3.27% |
| Q1 2024 | $116.5M | $117.0M | 40.59% | 11.91% | 2.96% |
| Q2 2024 | $120.4M | $117.3M | 42.87% | 12.26% | 2.60% |
| Q3 2024 | $120.2M | $118.4M | 42.20% | 12.43% | 2.48% |
| Q4 2024 | $118.0M | $118.6M | 44.43% | 11.48% | 2.42% |
| Q1 2025 | $116.9M | $120.4M | 44.92% | 10.16% | 2.26% |
| Q2 2025 | $117.9M | $117.7M | 45.02% | 10.40% | 2.23% |
| Q3 2025 | $118.5M | $118.8M | 46.62% | 9.43% | 2.20% |
| Q4 2025 | $121.0M | $123.5M | 46.67% | 9.50% | 2.05% |
| Q1 2026 | $118.7M | $125.0M | 45.49% | 9.63% | 2.05% |
| Q2 2026 | $117.2M | $126.4M | 43.52% | 8.30% | 4.22% |
Guaranty Bank Inc. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Guaranty Bank Inc., freeSource: Call Report Schedule RC-C, 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)