Guaranty State Bank and Trust Company
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Data as of · sourced from FFIEC call reports. How we update
Guaranty State Bank and Trust Company is an FDIC-insured commercial bank headquartered in Beloit, KS, established in 1922 (FDIC certificate 10907), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $381.4M, up 1.7% from Q2 2025, the 56th largest of 182 banks headquartered in Kansas. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.60% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 10907
- Headquarters
- Beloit, KS
- Established
- 1922
- Total assets, Q2 2026
- $381.4M
- Assets vs Q2 2025
- +1.7%
- Tier 1 leverage ratio, Q2 2026
- 11.60%
- Domestic offices
- 9 FDIC institution directory, current count
- Routing number
- 101101879
- Latest call report
- Q2 2026, FFIEC 051 · Guaranty State Bank and Trust Company call report
- Holding company
- GUARANTY, INC.
- Asset rank in state
- 56th of 182 in Kansas
Guaranty State Bank and Trust Company, based in Beloit, Kansas, reported $381 million in assets at June 30, 2026, up 1.7% from a year earlier. It holds commercial real estate loans equal to only 30% of its capital, a small fraction of the median of 1.2 times for the 2,627 banks with $100 million to $1 billion in assets. On the other hand, it keeps 3.32 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.96 cents).
Earnings fell sharply: quarterly net income of $775,000 was 40% below a year earlier. Unrealized losses on its securities total $8.1 million, equal to 18% of Tier 1 capital, against 23% a year earlier. Profitability lags: it earns about $0.79 a year on every $100 of assets, lower than about three-quarters of banks its size (median $1.28).
As of June 30, 2026, Guaranty State Bank and Trust Company reported a return on assets of 0.79%, a nonperforming-loan ratio of 0.60% and a Texas ratio of 3.68%. The figures come from its call report filed with the FFIEC.
Guaranty State Bank and Trust Company ranks as the 56th largest of the 182 banks based in Kansas, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 1.3% to $381.4M, loans rose 2.4% and deposits fell 2.6%. Farmland and other real estate loans made up 38.9% of its total loans on June 30, 2026, its largest category; next came agricultural production loans at 33.1%. Its 9 offices in the FDIC Summary of Deposits are in 8 cities in KS; its Beloit office books 60% of its branch deposits. On its Q2 2026 call report, Guaranty State Bank and Trust Company meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 201 S Mill St, Beloit, KS 67420
- County
- Mitchell
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 23, 1922
- Domestic offices
- 9 FDIC institution directory, current count
- Employees (FTE)
- 59
- Domestic deposits
- $324.6M
- Allowance for credit losses
- $2.9M
- Net charge-offs (YTD)
- -$17K
- Average total assets
- $391.5M
- Average total loans
- $255.7M
- Average interest-bearing deposits
- $257.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 2, 1934
- FDIC Cert
- 10907
- Fed RSSD
- 1009756
- Website
- www.guarantystate.com →
- Parent Holding Company
- GUARANTY, INC. (RSSD 1064009)
Profitability
Q2 annualizedBalance 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. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Guaranty State Bank and Trust Company reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Guaranty State Bank and Trust Company's total assets ranged from $363.4M (Q1 2024) to $390.4M (Q4 2025), 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
$381.4M total assets against $375.0M; $342.3M total liabilities against $338.7M.
$256.3M net loans and leases against $251.8M; $324.6M total deposits against $309.8M.
$106.0M securities against $103.4M; $4.6M cash and balances due against $4.8M.
$5.0M total interest income against $4.9M; $1.8M total interest expense against $1.9M.
$3.1M net interest income against $3.0M.
$388K total noninterest income against $387K; $2.3M total noninterest expense against $2.0M.
$20K provision for credit losses against -$217K.
$775K net income against $1.3M.
0.79% return on assets against 1.41%; 3.32% net interest margin against 3.22%.
11.60% tier 1 leverage ratio against 11.96%.
Inside the full Guaranty State Bank and Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeGuaranty State Bank and Trust Company rankings
Its closest position to the top of a national ranking is 1,662 of 3,640, for Texas Ratio; its furthest is 2,904 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.42% (Q3 2024) to 1.41% (Q2 2025) and its net interest margin ran from 2.52% (Q3 2024) to 3.32% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.60% | 0.79% | 0.60% | 3.68% | 3.32% |
| Q1 2026 | 11.25% | 1.26% | 0.77% | 4.75% | 3.07% |
| Q4 2025 | 11.49% | 0.62% | 0.74% | 4.81% | 3.15% |
| Q3 2025 | 11.94% | 0.77% | 0.69% | 4.40% | 3.05% |
| Q2 2025 | 11.96% | 1.41% | 0.73% | 4.75% | 3.22% |
| Q1 2025 | 11.55% | 1.03% | 0.77% | 5.17% | 2.89% |
| Q4 2024 | 11.42% | 0.69% | 0.69% | 5.01% | 2.95% |
| Q3 2024 | 11.53% | 0.42% | 1.08% | 7.34% | 2.52% |
Swipe the table sideways to see every column.
Branch Network
View all 9 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 State Bank and Trust Company (main office) | Beloit , KS | 67420 | $194.4M |
| Smith Center Branch | Smith Center , KS | 66967 | $51.0M |
| Glen Elder Branch | Glen Elder , KS | 67446 | $18.9M |
| Esbon Branch | Esbon , KS | 66941 | $16.8M |
| Jamestown Branch | Jamestown , KS | 66948 | $15.1M |
| Jewell Branch | Jewell , KS | 66949 | $14.0M |
| Burr Oak Branch | Burr Oak , KS | 66936 | $7.4M |
| Tipton Branch | Tipton , KS | 67485 | $7.2M |
| Motor Bank Branch | Smith Center , KS | 66967 | $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 |
|---|---|---|---|
| February 16, 2019 | Structure Change | Acquired The Jamestown State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 15, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 17, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 15, 2014 | Structure Change | Acquired The First National Bank of Smith Center Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in KS, rank 72 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $680K approved, $340K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1995 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 State Bank and Trust Company
What are Guaranty State Bank and Trust Company's total assets?
As of the Q2 2026 filing, Guaranty State Bank and Trust Company reported total assets of $381.4 million in its FFIEC call report.
Where is Guaranty State Bank and Trust Company headquartered?
It is headquartered in Beloit, KS, United States.
When was Guaranty State Bank and Trust Company founded?
It was established in 1922, per the FDIC institution directory.
Is Guaranty State Bank and Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #10907). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Guaranty State Bank and Trust Company?
Guaranty State Bank and Trust Company's primary federal regulator is the FDIC.
How many branches does Guaranty State Bank and Trust Company operate?
It operates 9 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Guaranty State Bank and Trust Company's Texas Ratio?
Its Texas Ratio is 3.68% 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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