Guaranty Bank and Trust Company (Belzoni, MS): Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Headquartered in Belzoni, Guaranty Bank and Trust Company serves the Mississippi market as a community-focused commercial bank. On its most recent Q2 2026 call report, Guaranty Bank and Trust Company reported $3.1B in total assets against $2.6B in deposits. The bank posts a strong 1.32% ROA and 11.71% ROE. Under the simplified Community Bank Leverage Ratio framework, leverage of 10.42% exceeds the CBLR threshold. Asset quality merits closer attention with NPLs at 2.03%. Its footprint covers 42 branches concentrated in Mississippi.
As of June 30, 2026, Guaranty Bank and Trust Company reported a Tier 1 leverage ratio of 10.42%, a return on assets of 1.32%, a nonperforming-loan ratio of 2.03%, a Texas ratio of 15.18%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 210 N Hayden St, Belzoni, MS 39038
- County
- Humphreys
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- May 17, 1943
- Offices
- 42 domestic
- Employees (FTE)
- 486
- Domestic deposits
- $2.65B
- Allowance for credit losses
- $30.9M
- Net charge-offs (YTD)
- $1.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 17, 1943
- FDIC Cert
- 15953
- Fed RSSD
- 84541
- SEC CIK
- 1157784 → filed by GUARANTY CAPITAL CORPORATION
- Website
- www.gbtonline.com →
- Parent Holding Company
- GUARANTY CAPITAL CORPORATION (RSSD 1096952)
Profitability
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Guaranty Bank and Trust Company terminal
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Unlock Guaranty Bank and Trust Company, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Guaranty Bank and Trust Company rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.42% | 1.32% | 2.03% | 15.18% | 4.36% |
| Q1 2026 | 10.32% | 0.92% | 1.94% | 14.42% | 4.09% |
| Q4 2025 | 10.18% | 1.08% | 2.34% | 17.23% | 4.07% |
| Q3 2025 | 10.30% | 1.10% | 1.84% | 14.54% | 4.17% |
| Q2 2025 | 10.15% | 1.16% | 1.86% | 15.05% | 4.07% |
| Q1 2025 | 9.80% | 1.08% | 1.92% | 15.18% | 3.83% |
| Q4 2024 | 9.61% | 1.00% | 1.62% | 12.45% | 3.93% |
| Q3 2024 | 9.23% | 0.88% | 1.63% | 12.10% | 3.46% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 39 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Guaranty Bank and Trust Company (main office) | Belzoni , MS | 39038 | $341.6M |
| East Memphis Branch | Memphis , TN | 38117 | $159.1M |
| Greenville Main Branch | Greenville , MS | 38701 | $151.6M |
| Starkville Branch | Starkville , MS | 39759 | $144.2M |
| University Branch | Oxford , MS | 38655 | $138.7M |
| Grenada Branch | Grenada , MS | 38901 | $136.8M |
| Batesville Branch | Batesville , MS | 38606 | $134.9M |
| Mcingvale Road Branch | Hernando , MS | 38632 | $130.7M |
| Hollandale Branch | Hollandale , MS | 38748 | $122.0M |
| Greenville South Shop. Ctr. Branch | Greenville , MS | 38701 | $121.3M |
| Iuka Branch | Iuka , MS | 38852 | $112.3M |
| Senatobia Branch | Senatobia , MS | 38668 | $110.5M |
| Cleveland Branch | Cleveland , MS | 38732 | $100.3M |
| Southaven Branch | Southaven , MS | 38672 | $86.3M |
| Fulton Office Branch | Fulton , MS | 38843 | $81.4M |
| Greenwood Branch | Greenwood , MS | 38930 | $55.4M |
| Belmont Main Branch | Belmont , MS | 38827 | $54.2M |
| Vicksburg | Vicksburg, , MS | 39180 | $44.4M |
| Booneville Branch | Booneville , MS | 38829 | $42.3M |
| Oakland Branch | Oakland , TN | 38060 | $40.6M |
| Ridgeland Branch | Ridgeland , MS | 39157 | $39.5M |
| Indianola Branch | Indianola , MS | 38751 | $37.7M |
| Calhoun County - Derma Branch | Derma , MS | 38839 | $36.9M |
| Burnsville Branch | Burnsville , MS | 38833 | $36.5M |
| Highway 82 East Branch | Greenville , MS | 38701 | $30.3M |
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 |
|---|---|---|---|
| September 23, 2024 | Structure Change | Acquired Oxford University Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 20, 2024 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 2, 2023 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 2, 2023 | Structure Change | Acquired First American National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 9, 2019 | Structure Change | Acquired First Alliance Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 8, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 8, 1998 | Structure Change | Acquired Bank of Hollandale Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 7, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 8 events.
Regulatory record
What the public regulatory sources show for Guaranty Bank and Trust Company, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 2.9% of deposits in MS, rank 8 of 81 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,482 applications, 1,045 loans originated, $256.0M originated, across 12 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Guaranty Bank and Trust Company
What are Guaranty Bank and Trust Company's total assets?
As of the Q2 2026 filing, Guaranty Bank and Trust Company reported total assets of $3.07 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Guaranty Bank and Trust Company headquartered?
Guaranty Bank and Trust Company is headquartered in Belzoni, MS, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Guaranty Bank and Trust Company founded?
Guaranty Bank and Trust Company was established in 1943, per the FDIC institution directory.
Is Guaranty Bank and Trust Company FDIC-insured?
Yes. Guaranty Bank and Trust Company is an FDIC-insured commercial bank (FDIC Certificate #15953). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Guaranty Bank and Trust Company?
Guaranty Bank and Trust Company's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Guaranty Bank and Trust Company operate?
Guaranty Bank and Trust Company operates 42 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Guaranty Bank and Trust Company's Texas Ratio?
Guaranty Bank and Trust Company's Texas Ratio is 15.18% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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