Guaranty Bank & Trust Company of Delhi: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Guaranty Bank & Trust Company of Delhi of Delhi, LA 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 | 1.72% | 1.35% | +0.37% | 74th above |
| ROAE | 20.33% | 12.05% | +8.28% | 88th top |
| Net Interest Margin | 4.10% | 3.90% | +0.20% | 59th above |
| Efficiency Ratio | 52.48% | 63.15% | -10.67% | 76th top |
| PPNR / Avg Assets | 2.05% | 1.64% | +0.41% | 74th above |
| Yield on Earning Assets | 6.56% | 5.65% | +0.91% | 88th top |
| Cost of Funds | 2.62% | 1.85% | +0.77% | 12th bottom |
| Net Interest Spread | 3.14% | 3.35% | -0.21% | 41st below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.98% | 0.92% | +0.06% | 29th below |
| NPA / Total Assets | 0.94% | 0.67% | +0.27% | 22nd bottom |
| NCO / Avg Loans | 0.83% | 0.14% | +0.69% | 4th bottom |
| ACL / Total Loans | 0.53% | 1.28% | -0.75% | 3rd bottom |
| ACL / NPLs (Coverage) | 53.74% | 1645.82% | -1592.08% | 12th bottom |
| Texas Ratio | 13.29% | 7.15% | +6.14% | 15th bottom |
| Provision / NCO | 94.72% | 1189.86% | -1095.14% | 38th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.93% | 20.83% | -5.90% | 48th below |
| Tier 1 Ratio | 14.93% | 20.87% | -5.94% | 48th below |
| Total Capital Ratio | 15.61% | 21.94% | -6.33% | 44th below |
| Leverage Ratio | 8.50% | 12.47% | -3.97% | 6th bottom |
| Equity / Assets | 8.41% | 11.67% | -3.26% | 18th bottom |
| TCE / Tangible Assets | 8.41% | 11.40% | -2.99% | 21st bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit Behind the peer average, ahead of the median peer. | 80.82% | 78.64% | +2.18% | 50th above |
| Core Deposit Ratio | 69.70% | 87.10% | -17.40% | 5th bottom |
| Wholesale Funding Ratio | 0.90% | 5.12% | -4.22% | 83rd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.25% | 6.48% | -4.23% | 34th below |
| Loan Growth (Y/Y) | 0.85% | 7.64% | -6.79% | 26th below |
| Deposit Growth (Y/Y) | 7.96% | 6.02% | +1.94% | 76th top |
See Guaranty Bank & Trust Company of Delhi's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Guaranty Bank & Trust Company of Delhi, 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 & Trust Company of Delhi profile, how to read a UBPR, or how this data updates.