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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 $5.7MQ3 2024Q2 2026
Deposit mix
79%Interest-bearing $257.2M21%Noninterest $67.5MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.05%, down 15 bps year over year; NIM at 3.11%.
  • 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.

Return on Assets (YTD, annualized)

1.05%-15 bps YoY

Net Interest Margin (YTD, annualized)

3.11%+6 bps YoY

Efficiency Ratio (YTD, annualized)

63.06%+56 bps YoY

Tier 1 Leverage Ratio

11.60%-36 bps YoY

NIM

4.95%Q2 ’245.12%Q2 ’255.01%Q2 ’26+2%+2%

Non-interest income vs. expense

2.25%Q2 ’242.23%Q2 ’252.28%Q2 ’26-6%+2%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.76%0.74%1.01%1.19%1.05%0.94%1.28%1.05%-15 bps
Return on Equity8.61%8.45%11.39%13.06%11.19%9.92%12.96%10.45%-260 bps
Net Interest Margin2.77%2.77%2.88%3.05%3.03%2.92%2.97%3.11%+6 bps
Efficiency Ratio68.62%69.92%64.50%62.50%64.23%66.33%60.71%63.06%+56 bps
Non-Interest Burden1.81%1.85%1.69%1.75%1.80%1.81%1.59%1.79%+4 bps
Growth
Asset Growth (YoY)3.84%1.75%3.09%1.46%-2.29%1.91%3.17%1.73%+26 bps
Loan Growth (YoY)5.21%5.74%2.15%2.57%-0.93%4.04%2.96%1.79%-79 bps
Deposit Growth (YoY)1.83%-2.61%0.74%4.00%1.83%8.24%7.64%4.78%+78 bps
Asset Quality
Nonperforming Loans / Loans1.08%0.69%0.77%0.73%0.69%0.74%0.77%0.60%-13 bps
Net Charge-Offs / Loans-0.01%-0.01%0.00%-0.19%-0.13%-0.09%-0.02%-0.01%+18 bps
Allowance / Loans1.10%1.10%1.12%1.10%1.12%1.10%1.12%1.10%0 bps
Allowance Coverage of NPLs1.0x1.6x1.5x1.5x1.6x1.5x1.5x1.8x+0.3x
Capital
Tier 1 Leverage Ratio11.53%11.42%11.55%11.96%11.94%11.49%11.25%11.60%-36 bps
Total Risk-Based Capital11.53%11.42%11.55%11.96%11.94%11.49%11.25%11.60%-36 bps
Equity / Assets9.20%8.68%9.08%9.67%9.99%9.93%9.89%10.25%+58 bps
Liquidity & Funding
Loans / Deposits85.57%85.96%79.41%82.18%83.25%82.62%75.95%79.83%-235 bps
Liquid Assets / Assets1.20%0.76%2.94%0.84%1.29%0.81%0.17%0.82%-3 bps
CRE / Total Capitaln/an/an/an/a37.94%35.69%38.38%n/an/a