Guaranty Bank Inc.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 5.95 percentage points lower than in Q1 2026, at 76.86%. On return on assets, Guaranty Bank Inc. is 3rd from the bottom among 41 West Virginia banks, 0.24% (Q2 2026). Against a median of 1.25% for banks in the $100M-1B asset tier, Guaranty Bank Inc. reported 0.24% on return on assets in Q2 2026, 1.01 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 17.97% |
| Tier 1 risk-based capital ratio | 17.97% |
| Total risk-based capital ratio | 19.23% |
| Tier 1 leverage ratio | 13.62% |
| Equity capital to assets | 13.28% |
| Tangible equity to tangible assets | 13.28% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.16% |
| Non-performing assets ratio | 1.72% |
| Net charge-off ratio | -0.19% |
| Texas ratio | 13.44% |
| Allowance for credit losses to loans | 1.66% |
| Reserve coverage of non-performing loans | 76.86% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.24% |
| Return on equity | 1.78% |
| Net interest margin | 4.26% |
| Efficiency ratio | 92.91% |
| Yield on earning assets | 6.34% |
| Cost of funds | 2.34% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 92.68% |
| Core deposits to total deposits | 79.60% |
| Brokered deposits to total deposits | 13.48% |
| Deposits to assets | 82.98% |
| Securities to assets | 13.00% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 18.40% | 18.40% | 19.66% | 13.03% | 1.38% |
| Q4 2023 | 18.21% | 18.21% | 19.47% | 12.93% | 0.42% |
| Q1 2024 | 18.20% | 18.20% | 19.46% | 13.16% | 0.84% |
| Q2 2024 | 17.51% | 17.51% | 18.77% | 13.03% | 0.88% |
| Q3 2024 | 17.95% | 17.95% | 19.20% | 13.28% | 1.44% |
| Q4 2024 | 18.02% | 18.02% | 19.28% | 13.28% | 1.20% |
| Q1 2025 | 18.04% | 18.04% | 19.30% | 13.63% | 0.67% |
| Q2 2025 | 18.10% | 18.10% | 19.36% | 13.84% | 0.87% |
| Q3 2025 | 17.92% | 17.92% | 19.18% | 14.05% | 0.87% |
| Q4 2025 | 17.62% | 17.62% | 18.88% | 13.88% | 0.57% |
| Q1 2026 | 17.91% | 17.91% | 19.17% | 13.76% | 0.30% |
| Q2 2026 | 17.97% | 17.97% | 19.23% | 13.62% | 0.24% |
Guaranty Bank Inc. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Guaranty Bank Inc., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)