Guaranty Bank & Trust Company of Delhi: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
In Q2 2026, Total risk-based capital ratio edged down by 0.33 percentage points, from 15.94% to 15.61%, the largest move among the key lines here. Within Louisiana, Guaranty Bank & Trust Company of Delhi is 31st of 46 on CET1 ratio, 14.93% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio; Guaranty Bank & Trust Company of Delhi reported 14.93% for Q2 2026, nearly level with it.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.93% |
| Tier 1 risk-based capital ratio | 14.93% |
| Total risk-based capital ratio | 15.61% |
| Tier 1 leverage ratio | 8.50% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $38.7M |
| Tier 1 capital | $38.7M |
| Total risk-based capital | $40.5M |
| Total equity capital | $38.4M |
| Risk-weighted assets | $259.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.41% |
| Tangible equity to tangible assets | 8.41% |
| Equity capital to average assets | 8.44% |
| Internal capital growth rate | 0.18% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $499K |
| Common stock surplus | $11.9M |
| Retained earnings | $26.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$294K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 14.15% | 14.15% | 15.31% | 8.69% | $235.5M |
| Q4 2023 | 14.04% | 14.04% | 15.29% | 8.49% | $238.3M |
| Q1 2024 | 14.28% | 14.28% | 15.53% | 8.77% | $245.6M |
| Q2 2024 | 14.33% | 14.33% | 15.58% | 8.62% | $243.0M |
| Q3 2024 | 14.10% | 14.10% | 15.19% | 8.67% | $250.2M |
| Q4 2024 | 13.87% | 13.87% | 14.57% | 8.53% | $255.8M |
| Q1 2025 | 14.49% | 14.49% | 15.20% | 8.79% | $256.5M |
| Q2 2025 | 14.59% | 14.59% | 15.31% | 8.36% | $252.8M |
| Q3 2025 | 14.67% | 14.67% | 15.49% | 8.30% | $254.9M |
| Q4 2025 | 14.25% | 14.25% | 14.94% | 8.23% | $262.0M |
| Q1 2026 | 15.13% | 15.13% | 15.94% | 8.36% | $255.9M |
| Q2 2026 | 14.93% | 14.93% | 15.61% | 8.50% | $259.5M |
Guaranty Bank & Trust Company of Delhi regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Guaranty Bank & Trust Company of Delhi, freeSource: Call Report Schedule RC-R, 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 & Trust Company of Delhi profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19638) · FFIEC NIC profile (RSSD 969255)