Guaranty Bank
Mount Pleasant, TX · Cert 1208 · Peer group: banks $1B-$10B in assets operating in a single state (n=300)
FDIC · 34 branches
Q3 2025
$3.1BAssets
$2.2BLoans
$2.7BDeposits
$345.4MEquity
Executive Summary
- Strongest standing: brokered deposits / deposits outperforms 100% of banks $1B-$10B in assets operating in a single state (rank 110 of 300).
- Widest gap: efficiency ratio trails 78% of banks $1B-$10B in assets operating in a single state (rank 235 of 300).
- Overall: at or above the peer median on 6 of 10 directional measures.
Return on Assets
0.98%
Rank 171 of 300
Net Interest Margin
3.60%
Rank 86 of 300
Efficiency Ratio
71.43%
Rank 235 of 300
Equity / Assets
11.11%
Rank 103 of 300
Non-interest income vs. expense
Unfavorable gap of $74.2M · efficiency ratio beats 22% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.98% | 0.77% | 1.06% | 1.38% | Beats 43% | 171 / 300 | |
| Return on Equity | 8.85% | 7.55% | 10.62% | 13.50% | Beats 36% | 193 / 300 | |
| Net Interest Margin | 3.60% | 2.87% | 3.23% | 3.70% | Beats 71% | 86 / 300 | |
| Efficiency Ratio | 71.43% | 53.29% | 62.72% | 70.47% | Beats 22% | 235 / 300 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.75% | 0.17% | 0.39% | 0.80% | Beats 27% | 220 / 300 | |
| Net Charge-Offs / Loans | 0.03% | 0.01% | 0.04% | 0.12% | Beats 57% | 131 / 300 | |
| Capital |
| Tier 1 Capital Ratio | 14.82% | 11.71% | 13.33% | 14.99% | Beats 72% | 83 / 300 | |
| Total Risk-Based Capital Ratio | 16.06% | 12.39% | 14.25% | 16.08% | Beats 74% | 77 / 300 | |
| Equity / Assets | 11.11% | 8.96% | 10.02% | 11.69% | Beats 66% | 103 / 300 | |
| Liquidity & Funding |
| Loans / Deposits | 79.23% | 73.76% | 85.63% | 95.78% | 36th pctl | 193 / 300 | |
| Loans / Assets | 69.19% | 64.08% | 72.41% | 78.88% | 39th pctl | 182 / 300 | |
| Brokered Deposits / Deposits | 0.00% | n/a | 1.56% | 7.51% | Beats 100% | 110 / 300 | |