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Guaranty State Bank and Trust Company

Beloit, KS · Cert 10907 · Guaranty Inc.

State charter, non-member · FDIC · 9 branches

Q2 2026

$381.4MAssets
$259.2MLoans
$324.6MDeposits
$39.1MEquity
Loan mix
79%RE $135.4M17%C&I $29.4M3%Consumer $5.7MQ2 2025Q2 2026
Deposit mix
79%Interest-bearing $257.2M21%Noninterest $67.5MQ2 2025Q2 2026

NIM

4.96%Q2 ’245.28%Q2 ’255.08%Q2 ’26+9%0%

Non-interest income vs. expense

2.22%Q2 ’242.22%Q2 ’252.37%Q2 ’26-4%+9%

Executive Summary

  • Earnings: ROA of 0.81%, down 57 bps year over year; NIM at 3.21%.
  • Asset quality: problem loans at 0.60% of loans (-13 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 11.60%, down 36 bps from a year ago.
  • Funding: loans stand at 79.83% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.81%-57 bps YoY

Net Interest Margin (quarter, annualized)

3.21%0 bps YoY

Efficiency Ratio (quarter, annualized)

65.40%+480 bps YoY

Tier 1 Leverage Ratio

11.60%-36 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.38%0.76%0.63%1.28%0.81%-57 bps
Return on Equity14.75%7.69%6.36%12.96%8.02%-673 bps
Net Interest Margin3.21%3.02%3.04%2.97%3.21%0 bps
Efficiency Ratio60.60%67.73%72.30%60.71%65.40%+480 bps
Non-Interest Burden1.80%1.93%2.09%1.59%1.97%+17 bps
Growth
Asset Growth (YoY)1.46%-2.29%1.91%3.17%1.73%+26 bps
Loan Growth (YoY)2.57%-0.93%4.04%2.96%1.79%-79 bps
Deposit Growth (YoY)4.00%1.83%8.24%7.64%4.78%+78 bps
Asset Quality
Nonperforming Loans / Loans0.73%0.69%0.74%0.77%0.60%-13 bps
Net Charge-Offs / Loans-0.39%0.00%-0.01%-0.02%-0.01%+38 bps
Allowance / Loans1.10%1.12%1.10%1.12%1.10%0 bps
Allowance Coverage of NPLs1.5x1.6x1.5x1.5x1.8x+0.3x
Capital
Tier 1 Leverage Ratio11.96%11.94%11.49%11.25%11.60%-36 bps
Total Risk-Based Capital11.96%11.94%11.49%11.25%11.60%-36 bps
Equity / Assets9.67%9.99%9.93%9.89%10.25%+58 bps
Liquidity & Funding
Loans / Deposits82.18%83.25%82.62%75.95%79.83%-235 bps
Liquid Assets / Assets0.84%1.29%0.81%0.17%0.82%-3 bps
CRE / Total Capitaln/a37.94%35.69%38.38%n/an/a