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

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	8-Qtr Trend
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	n/a