Guaranty Bank Inc.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Guaranty Bank Inc. of Williamson, WV against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.24% | 1.34% | -1.10% | 7th bottom |
| ROAE | 1.78% | 13.32% | -11.54% | 7th bottom |
| Net Interest Margin | 4.26% | 3.93% | +0.33% | 68th above |
| Efficiency Ratio | 92.91% | 61.13% | +31.78% | 5th bottom |
| PPNR / Avg Assets | 0.31% | 1.68% | -1.37% | 6th bottom |
| Yield on Earning Assets | 6.34% | 5.67% | +0.67% | 82nd top |
| Cost of Funds | 2.34% | 1.88% | +0.46% | 20th bottom |
| Net Interest Spread | 3.45% | 3.32% | +0.13% | 57th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.16% | 0.94% | +1.22% | 12th bottom |
| NPA / Total Assets | 1.72% | 0.70% | +1.02% | 10th bottom |
| NCO / Avg Loans | -0.19% | 0.16% | -0.35% | 98th top |
| ACL / Total Loans | 1.66% | 1.28% | +0.38% | 86th top |
| ACL / NPLs (Coverage) | 76.86% | 1538.91% | -1462.05% | 20th bottom |
| Texas Ratio | 13.44% | 7.33% | +6.11% | 15th bottom |
| Provision / NCO | 122.22% | 1395.77% | -1273.55% | 45th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 17.97% | 19.50% | -1.53% | 69th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 17.97% | 19.54% | -1.57% | 69th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 19.23% | 20.62% | -1.39% | 70th above |
| Leverage Ratio | 13.62% | 12.14% | +1.48% | 79th top |
| Equity / Assets | 13.28% | 11.37% | +1.91% | 80th top |
| TCE / Tangible Assets | 13.28% | 11.09% | +2.19% | 82nd top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 92.68% | 80.64% | +12.04% | 23rd bottom |
| Core Deposit Ratio | 79.60% | 86.86% | -7.26% | 15th bottom |
| Wholesale Funding Ratio | 1.55% | 5.03% | -3.48% | 74th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 8.14% | 6.85% | +1.29% | 76th top |
| Loan Growth (Y/Y) | -0.63% | 7.90% | -8.53% | 20th bottom |
| Deposit Growth (Y/Y) | 7.45% | 6.29% | +1.16% | 73rd above |
See Guaranty Bank Inc.'s peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Guaranty Bank Inc., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Guaranty Bank Inc. profile, how to read a UBPR, or how this data updates.