Guaranty State Bank and Trust Company: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 5.86 percentage points lower than in Q1 2026, at 30.22%. Within Kansas, Guaranty State Bank and Trust Company is 76th of 182 on loan-to-deposit ratio, 79.83% as of Q2 2026, above the middle of the field. At 79.83%, Guaranty State Bank and Trust Company's loan-to-deposit ratio is close to the 80.94% median for banks in the $100M-1B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $259.2M |
| Net loans and leases | $256.3M |
| Loans held for sale | $0 |
| Loans to total assets | 67.95% |
| Loan-to-deposit ratio | 79.83% |
| Net loans to equity capital | 6.56% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 5.63% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 9.85% |
| Consumer | 2.48% |
| Credit cards | 0.00% |
| Farm | 38.93% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 30.22% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.60% |
| Interest income on loans | $4.2M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $245.4M | $296.3M | 7.58% | 8.01% | 1.73% |
| Q4 2023 | $247.6M | $312.6M | 6.57% | 9.27% | 1.59% |
| Q1 2024 | $240.7M | $307.4M | 6.54% | 9.45% | 1.68% |
| Q2 2024 | $248.2M | $297.9M | 6.21% | 9.55% | 1.73% |
| Q3 2024 | $258.2M | $301.7M | 6.96% | 8.89% | 1.43% |
| Q4 2024 | $261.8M | $304.5M | 6.68% | 9.38% | 1.58% |
| Q1 2025 | $245.9M | $309.7M | 6.99% | 9.89% | 1.62% |
| Q2 2025 | $254.6M | $309.8M | 6.64% | 10.38% | 2.13% |
| Q3 2025 | $255.8M | $307.2M | 6.51% | 9.76% | 2.14% |
| Q4 2025 | $272.3M | $329.6M | 5.88% | 11.64% | 2.03% |
| Q1 2026 | $253.2M | $333.3M | 6.77% | 11.63% | 2.24% |
| Q2 2026 | $259.2M | $324.6M | 5.63% | 9.85% | 2.48% |
Guaranty State Bank and Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Guaranty State Bank and Trust Company, freeSource: Call Report Schedule RC-C, 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 State Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10907) · FFIEC NIC profile (RSSD 1009756)