Guaranty Bank & Trust Company of Delhi
Guaranty Bank & Trust Company of Delhi is an FDIC-insured commercial bank headquartered in Delhi, LA, supervised by the FDIC, with $457.4M in total assets at Q2 2026, up 2.3% from Q2 2025, the 45th largest of 102 banks headquartered in Louisiana. It was established in 1966 and holds FDIC certificate 19638. Its CET1 capital ratio was 14.93% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
Also written as GB&T
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 19638
- Headquarters
- Delhi, LA
- Established
- 1966
- Total assets, Q2 2026
- $457.4M
- Assets vs Q2 2025
- +2.3%
- CET1 ratio, Q2 2026
- 14.93%
- Domestic offices
- 10 · Guaranty Bank & Trust Company of Delhi branches FDIC institution directory, current count
- Routing number
- 111101458
- Safety and soundness
- Is Guaranty Bank & Trust Company of Delhi safe?
- Latest call report
- Q2 2026, FFIEC 051 · Guaranty Bank & Trust Company of Delhi Q3 2026 call report, filed October 26, 2026 (preliminary)
- Holding company
- DELHI BANCSHARES, INC.
- Asset rank in state
- 45th of 102 in Louisiana
Guaranty Bank & Trust Company of Delhi operates with a thinner capital cushion than most banks of its size. Based in Delhi, Louisiana, it had $457 million in assets at June 30, 2026, up 2.3% from a year earlier. It funds 8.50% of its assets with Tier 1 capital, lower than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 10.99%). It also carries problem assets equal to 13.3% of the capital and reserves that would absorb them, 5.0 times the median of 2.7% for banks its size.
Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 1.29% of loans, down from 1.89% a year earlier. Deposits are coming in faster than loans: over the year loans rose 0.8% and deposits rose 8.0%. Funding is the softer spot: it pays an average of 2.62% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
As of June 30, 2026, Guaranty Bank & Trust Company of Delhi reported a CET1 capital ratio of 14.93%, a return on assets of 1.72%, a nonperforming-loan ratio of 1.29% and a Texas ratio of 13.29%. The figures come from its call report filed with the FFIEC.
Guaranty Bank & Trust Company of Delhi ranks as the 45th largest of the 102 banks based in Louisiana, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.4% to $457.4M, loans rose 1.3% and deposits rose 1.5%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 53.9% of total loans, ahead of owner-occupied commercial real estate loans at 19.9%. The FDIC Summary of Deposits lists 10 offices for it, in 8 cities in LA; its Delhi 2 offices book 33% of its branch deposits. On its Q2 2026 call report, Guaranty Bank & Trust Company of Delhi meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 120 Oak St, Delhi, LA 71232
- County
- Richland
- Metro Area
- Monroe, LA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- October 15, 1966
- Domestic offices
- 10 FDIC institution directory, current count
- Employees (FTE)
- 66
- Domestic deposits
- $411.6M
- Allowance for credit losses
- $1.8M
- Net charge-offs (YTD)
- $814K
- Average total assets
- $455.6M
- Average total loans
- $329.6M
- Average interest-bearing deposits
- $314.2M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 15, 1966
- FDIC Cert
- 19638
- Fed RSSD
- 969255
- Website
- www.gbankla.com →
- Parent Holding Company
- DELHI BANCSHARES, INC. (RSSD 1107090)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. After a merger that grows assets 25% or more, the UBPR averages balances from the merger date on while the income stays year to date, so a YTD ratio can differ widely from the ratio of either quarter. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Guaranty Bank & Trust Company of Delhi's total assets moved between a low of $385.6M (Q3 2023) and a high of $467.0M (Q4 2025) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$457.4M total assets against $447.3M; $418.9M total liabilities against $410.6M.
$330.9M net loans and leases against $328.1M; $411.6M total deposits against $381.3M.
$21.4M securities against $8.8M; $96.2M cash and balances due against $101.3M.
$7.2M total interest income against $7.2M; $2.7M total interest expense against $3.0M.
$4.5M net interest income against $4.2M.
$398K total noninterest income against $401K; $2.6M total noninterest expense against $2.4M.
$381K provision for credit losses against $106K.
$2.0M net income against $2.1M.
1.72% return on assets against 1.87%; 4.10% net interest margin against 3.94%.
14.93% CET1 capital ratio against 14.59%; 8.50% tier 1 leverage ratio against 8.36%.
Inside the full Guaranty Bank & Trust Company of Delhi terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeGuaranty Bank & Trust Company of Delhi rankings
Its closest position to the top of a national ranking is 396 of 3,640, for Texas Ratio; its furthest is 1,879 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.19% (Q1 2026) to 2.07% (Q4 2024) and its net interest margin ran from 3.72% (Q1 2026) to 4.28% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.93% | 1.72% | 1.29% | 13.29% | 4.10% |
| Q1 2026 | 15.13% | 1.19% | 2.46% | 22.97% | 3.72% |
| Q4 2025 | 14.25% | 1.46% | 3.32% | 31.79% | 3.99% |
| Q3 2025 | 14.67% | 1.65% | 2.81% | 23.95% | 4.08% |
| Q2 2025 | 14.59% | 1.87% | 1.89% | 16.67% | 3.94% |
| Q1 2025 | 14.49% | 1.59% | 1.30% | 11.49% | 4.01% |
| Q4 2024 | 13.87% | 2.07% | 1.29% | 11.68% | 4.13% |
| Q3 2024 | 14.10% | 1.77% | 1.53% | 13.36% | 4.28% |
Swipe the table sideways to see every column.
Branch Network
View all 10 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Guaranty Bank & Trust Company of Delhi, Louisiana | Delhi , LA | 71232 | $136.6M |
| Rayville Branch | Rayville , LA | 71269 | $83.7M |
| Madison Branch | Richmond , LA | 71282 | $70.0M |
| Oak Grove Branch | Oak Grove , LA | 71263 | $63.1M |
| West Monroe Branch | West Monroe , LA | 71291 | $28.2M |
| Monroe Branch | Monroe , LA | 71201 | $16.6M |
| Sterlington Branch | Sterlington , LA | 71280 | $9.9M |
| Epps Branch | Epps , LA | 71237 | $1.8M |
| Start Branch | Rayville , LA | 71269 | $1.7M |
| Drive-In Branch | Delhi , LA | 71232 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| December 4, 1987 | Structure Change | Acquired Madison Bank and Trust Company Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| December 3, 1987 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in LA, rank 50 of 118 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 354 applications, 326 loans originated, $65.0M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $130K approved, $130K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2005 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Guaranty Bank & Trust Company of Delhi
What are Guaranty Bank & Trust Company of Delhi's total assets?
As of the Q2 2026 filing, Guaranty Bank & Trust Company of Delhi reported total assets of $457.4 million in its FFIEC call report.
Where is Guaranty Bank & Trust Company of Delhi headquartered?
It is headquartered in Delhi, LA, United States.
When was Guaranty Bank & Trust Company of Delhi founded?
It was established in 1966, per the FDIC institution directory.
Is Guaranty Bank & Trust Company of Delhi FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #19638). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Guaranty Bank & Trust Company of Delhi?
Guaranty Bank & Trust Company of Delhi's primary federal regulator is the FDIC.
What is Guaranty Bank & Trust Company of Delhi's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.93% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Guaranty Bank & Trust Company of Delhi operate?
It operates 10 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Guaranty Bank & Trust Company of Delhi's Texas Ratio?
Its Texas Ratio is 13.29% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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