Bank Safety Analysis
Is Guaranty Bank & Trust Company of Delhi Safe? Delhi, Louisiana
Based on its Q2 2026 call report, Guaranty Bank & Trust Company of Delhi meets every capital ratio test for well capitalized, its Texas ratio is 13.29%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer: is Guaranty Bank & Trust Company of Delhi safe?
On its Q2 2026 call report, Guaranty Bank & Trust Company of Delhi's CET1 ratio is 14.93%, above the 6.5% well-capitalized threshold.
- CET1 ratio (Q2 2026): 14.93%
- Tier 1 leverage ratio (Q2 2026): 8.50%
- Texas ratio (Q2 2026): 13.29%
- Noncurrent loans ratio (Q2 2026): 1.29%
Guaranty Bank & Trust Company of Delhi is an FDIC-insured commercial bank (FDIC Certificate #19638). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Source: the FFIEC call report Guaranty Bank & Trust Company of Delhi (FDIC Certificate #19638) filed for the quarter ended June 30, 2026. BankRegReports computes every ratio on this page from that filing.
Context: largest US bank failures.
Guaranty Bank & Trust Company of Delhi passes all 5 safety dimensions, with capital, asset quality, and stress buffers above the concern bands.
The standout move of Q2 2026 was in nonperforming loan ratio (nonaccrual plus 90+ days past due): 1.17 percentage points lower than in Q1 2026, at 1.29%. Guaranty Bank & Trust Company of Delhi ranks 30th of 45 Louisiana banks on CET1 ratio, in the lower half at 14.93% (Q2 2026). At 14.93%, Guaranty Bank & Trust Company of Delhi's CET1 ratio is close to the 15.08% median for banks in the $100M-1B asset tier (Q2 2026). From Q3 2023 to Q2 2026, Guaranty Bank & Trust Company of Delhi's CET1 ratio ranged between 13.87% (Q4 2024) and 15.13% (Q1 2026) and its Texas ratio ranged between 7.76% (Q2 2024) and 31.79% (Q4 2025). Between Q2 2025 and Q2 2026, Guaranty Bank & Trust Company of Delhi's CET1 ratio rose from 14.59% to 14.93%, nonperforming loan ratio (nonaccrual plus 90+ days past due) fell from 1.89% to 1.29%, Texas ratio fell from 16.67% to 13.29% and return on assets fell from 1.87% to 1.72%.
By total assets at Q2 2026, Guaranty Bank & Trust Company of Delhi is the 45th largest of the 102 banks headquartered in Louisiana. 1-4 family residential loans are its largest loan category, $179.4M of $332.7M in total loans on its June 30, 2026 call report. Against the 2,757 banks with $100M to $1B in assets for Q2 2026, Guaranty Bank & Trust Company of Delhi's CET1 ratio of 14.93% is below the 15.08% median, Tier 1 leverage ratio of 8.50% is below the 10.95% median, nonperforming loans ratio of 1.29% is above the 0.41% median, Texas ratio of 13.29% is above the 2.65% median, and efficiency ratio of 52.48% is below the 61.41% median.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating.
Held-out test AUC 0.910 for the 1-year horizon (v20261026_025757). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety.
How does Guaranty Bank & Trust Company of Delhi score on capital, credit and costs?
Peer cohort: $100M to $1B (2,660 banks) · Industry averages as of Q2 2026.
Median of the 2,757 banks with $100M to $1B in assets, Q2 2026: 15.08%.
Median of the 2,757 banks with $100M to $1B in assets, Q2 2026: 10.95%.
Median of the 2,757 banks with $100M to $1B in assets, Q2 2026: 0.41%.
Median of the 2,757 banks with $100M to $1B in assets, Q2 2026: 2.65%.
Median of the 2,757 banks with $100M to $1B in assets, Q2 2026: 61.41%.
Does Guaranty Bank & Trust Company of Delhi trip any risk screens?
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Result |
|---|---|---|
| CET1 capital ratio supervisory threshold | 14.93% | Within range |
| Texas ratio BankRegReports band | 13.29% | Within range |
| Non-performing loan ratio BankRegReports band | 1.29% | Within range |
| Uninsured deposit share BankRegReports band | — | Not reported |
| Loan-to-deposit ratio BankRegReports band | 80.82% | Within range |
| Commercial real estate to capital supervisory threshold | 132.73% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q2 2026 | 14.93% |
| Q1 2026 | 15.13% |
| Q4 2025 | 14.25% |
| Q3 2025 | 14.67% |
| Q2 2025 | 14.59% |
| Q1 2025 | 14.49% |
| Q4 2024 | 13.87% |
| Q3 2024 | 14.10% |
| Q2 2024 | 14.33% |
| Q1 2024 | 14.28% |
| Q4 2023 | 14.04% |
| Q3 2023 | 14.15% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 13.29% |
| Q1 2026 | 22.97% |
| Q4 2025 | 31.79% |
| Q3 2025 | 23.95% |
| Q2 2025 | 16.67% |
| Q1 2025 | 11.49% |
| Q4 2024 | 11.68% |
| Q3 2024 | 13.36% |
| Q2 2024 | 7.76% |
| Q1 2024 | 15.58% |
| Q4 2023 | 14.91% |
| Q3 2023 | 10.73% |
Loans by type, Q2 2026
- 1-4 family residential loans: $179.4M
- Owner-occupied commercial real estate loans: $66.3M
- Non-owner-occupied commercial real estate loans: $30.0M
- Multifamily loans: $14.2M
- Commercial and industrial loans: $13.9M
- Construction and land development loans: $9.5M
- Agricultural production loans: $3.6M
- Other consumer loans: $2.9M
How have Guaranty Bank & Trust Company of Delhi's safety ratios changed?
| Quarter end | Total assets | CET1 | Leverage | NPL ratio | Texas ratio | Efficiency |
|---|---|---|---|---|---|---|
| Jun 30, 2026 | $457.4M | 14.93% | 8.50% | 1.29% | 13.29% | 52.48% |
| Mar 31, 2026 | $451.1M | 15.13% | 8.36% | 2.46% | 22.97% | 61.16% |
| Dec 31, 2025 | $467.0M | 14.25% | 8.23% | 3.32% | 31.79% | 59.74% |
| Sep 30, 2025 | $448.5M | 14.67% | 8.30% | 2.81% | 23.95% | 55.66% |
| Jun 30, 2025 | $447.3M | 14.59% | 8.36% | 1.89% | 16.67% | 53.03% |
| Mar 31, 2025 | $437.9M | 14.49% | 8.79% | 1.30% | 11.49% | 61.53% |
| Dec 31, 2024 | $423.4M | 13.87% | 8.53% | 1.29% | 11.68% | 55.08% |
| Sep 30, 2024 | $405.9M | 14.10% | 8.67% | 1.53% | 13.36% | 60.93% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Guaranty Bank & Trust Company of Delhi FDIC insured?
Yes. Guaranty Bank & Trust Company of Delhi is an FDIC-insured commercial bank (FDIC Certificate #19638). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is Guaranty Bank & Trust Company of Delhi well capitalized?
On its Q2 2026 call report, Guaranty Bank & Trust Company of Delhi's CET1 ratio is 14.93%, above the 6.5% well-capitalized threshold. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the FDIC, applies.
What are Guaranty Bank & Trust Company of Delhi's key safety ratios?
For Q2 2026, Guaranty Bank & Trust Company of Delhi reports CET1 14.93%, leverage 8.50%, Texas ratio 13.29%, noncurrent loans 1.29%. Its Texas ratio compares with the 2.65% median for the 2,757 banks with $100M to $1B in assets.
What happens to my deposits if Guaranty Bank & Trust Company of Delhi fails?
For Q2 2026, Guaranty Bank & Trust Company of Delhi reported $411.6M in total deposits. If it failed, the FDIC would pay insured deposits up to $250,000 per depositor.
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Where does this data come from?
Not investment advice. See the full Guaranty Bank & Trust Company of Delhi profile.
How we score this
Capital categories follow Prompt Corrective Action (12 CFR 324.403): well capitalized at a CET1 ratio of 6.5%, Tier 1 risk-based 8%, total risk-based 10% and Tier 1 leverage 5%; adequately capitalized at 4.5%, 6%, 8% and 4%. A community bank may elect the community bank leverage ratio instead.
CET1 Ratio: Common equity tier 1 (CET1) capital, mostly common stock and retained earnings, divided by risk-weighted assets. Pass ≥ 7.0% (well-capitalized plus buffer), fail < 4.5% (below minimum).
Tier 1 Leverage Ratio: Tier 1 capital divided by average total assets, with no risk weighting. Pass ≥ 5.0% (well-capitalized), fail < 4.0% (below minimum).
Nonperforming Loans (NPL) Ratio: Nonaccrual loans plus loans 90 or more days past due, divided by total loans. Pass < 1.5%, fail > 3.0%.
Texas Ratio: Problem assets (nonaccrual loans, loans 90+ days past due and still accruing, and OREO, net of U.S. government-guaranteed portions) divided by tangible equity plus the allowance for credit losses. Pass < 50%, fail > 100% (historical failure threshold).
Efficiency Ratio: Noninterest expense divided by revenue (net interest income plus noninterest income). Pass ≤ 75% (lower is better), fail ≥ 90%.
Risk screens, beyond those bands: Uninsured deposit share watch at 50%, concern at 70%; Loan-to-deposit ratio flags at 100% or above; Commercial real estate to capital watch at 200%, concern at 300%; Held-to-maturity unrealized loss to equity watch at 10%, concern at 25%; NPL, Texas ratio and efficiency bands are ours.
Not a credit rating. Methodology.