Guaranty Bank Inc.: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Compared with Q1 2026, Yield on securities rose 0.62 percentage points in Q2 2026 to 5.41%, the biggest move on this page. Within West Virginia, Guaranty Bank Inc. is 13th of 41 on net interest margin, 4.26% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Guaranty Bank Inc. sits 0.31 points higher, at 4.26% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.34% |
| Yield on loans | 6.61% |
| Yield on securities | 5.41% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.34% |
| Cost of interest-bearing deposits | 2.86% |
| Cost of interest-bearing liabilities | 2.89% |
| Cost of borrowings | 3.80% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.26% |
| Yield to cost spread | 3.45% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.9M |
| Total interest expense | $746K |
| Interest expense on deposits | $721K |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 6.03% | 1.65% | 4.49% | 6.35% | 1.88% |
| Q4 2023 | 6.02% | 1.88% | 4.31% | 6.25% | 2.50% |
| Q1 2024 | 6.06% | 1.96% | 4.28% | 6.30% | 2.61% |
| Q2 2024 | 6.28% | 2.04% | 4.44% | 6.59% | 3.14% |
| Q3 2024 | 6.55% | 2.18% | 4.59% | 6.71% | 4.00% |
| Q4 2024 | 6.47% | 2.28% | 4.42% | 6.72% | 4.33% |
| Q1 2025 | 6.37% | 2.23% | 4.37% | 6.65% | 4.56% |
| Q2 2025 | 6.43% | 2.21% | 4.45% | 6.60% | 5.65% |
| Q3 2025 | 6.92% | 2.25% | 4.92% | 7.19% | 5.51% |
| Q4 2025 | 6.65% | 2.33% | 4.57% | 6.85% | 5.53% |
| Q1 2026 | 6.34% | 2.33% | 4.26% | 6.61% | 4.80% |
| Q2 2026 | 6.34% | 2.34% | 4.26% | 6.61% | 5.41% |
Guaranty Bank Inc. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Guaranty Bank Inc., freeSource: Call Report Schedules RI and RC-K, 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)