Guaranty State Bank and Trust Company
Beloit, KS · Cert 10907 · Peer group: banks under $1B in assets in KS (n=98) · Guaranty Inc.
State charter, non-member · FDIC · 9 branches
Q2 2026
$381.4MAssets
$259.2MLoans
$324.6MDeposits
$39.1MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in KS (rank 36 of 98).
- Widest gap: net interest margin trails 84% of banks under $1B in assets in KS (rank 82 of 98).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
1.06%
Rank 69 of 98
Net Interest Margin
3.11%
Rank 82 of 98
Efficiency Ratio
63.36%
Rank 66 of 98
Equity / Assets
10.25%
Rank 56 of 98
Non-interest income vs. expense
Unfavorable gap of $7.0M · efficiency ratio beats 34% of banks under $1B in assets in KS | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.06% | 1.03% | 1.24% | 1.54% | Beats 30% | 69 / 98 | |
| Return on Equity | 10.34% | 8.85% | 11.58% | 14.73% | Beats 42% | 57 / 98 | |
| Net Interest Margin | 3.11% | 3.24% | 3.62% | 3.91% | Beats 16% | 82 / 98 | |
| Efficiency Ratio | 63.36% | 51.87% | 58.88% | 64.74% | Beats 34% | 66 / 98 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.60% | 0.01% | 0.33% | 1.05% | Beats 38% | 62 / 98 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.03% | Beats 100% | 36 / 98 | |
| Capital |
| Tier 1 Capital Ratio | 11.60% | 11.81% | 13.71% | 17.33% | Beats 20% | 78 / 98 | |
| Total Risk-Based Capital Ratio | 11.60% | 11.81% | 14.13% | 17.45% | Beats 20% | 78 / 98 | |
| Equity / Assets | 10.25% | 8.60% | 11.34% | 13.10% | Beats 43% | 56 / 98 | |
| Liquidity & Funding |
| Loans / Deposits | 79.83% | 57.09% | 69.84% | 82.47% | 67th pctl | 32 / 98 | |
| Loans / Assets | 67.95% | 49.34% | 58.31% | 68.94% | 73rd pctl | 26 / 98 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |