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Guaranty Bank and Trust Company

New Roads, LA · Cert 17767 · Great Guaranty Bancshares Inc.

State charter, non-member · FDIC · 7 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

83

Q2 2024Q2 2026peer median (50)

Asset Quality

24

Q2 2024Q2 2026peer median (50)

Profitability

64

Q2 2024Q2 2026peer median (50)

Liquidity

91

Q2 2024Q2 2026peer median

Efficiency

52

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Guaranty Bank and Trust Company

New Roads, LA · Cert 17767 · Great Guaranty Bancshares Inc.

State charter, non-member · FDIC · 7 branches

Q2 2026

$318.5MAssets
$220.1MLoans
$274.8MDeposits
$43.0MEquity
Loan mix
94%RE $185.2M3%C&I $5.4M3%Consumer $6.3MQ2 2025Q2 2026
Deposit mix
74%Interest-bearing $202.9M26%Noninterest $71.9MQ2 2025Q2 2026

NIM

5.57%Q2 ’245.88%Q2 ’255.76%Q2 ’26+6%-2%

Non-interest income vs. expense

3.17%Q2 ’243.07%Q2 ’252.96%Q2 ’26-1%-2%

Market Position · Baton Rouge, LA · 2026 SOD (annual) · 1.0% share · #13 of 40 inst. · $0.3B of $26.7B

25.5% Pointe Coupee
5.6% Iberville
0.1% East Baton Rouge
5.2% West Baton Rouge

Executive Summary

  • Earnings: ROA of 1.28%, up 7 bps year over year; NIM at 4.45%.
  • Asset quality: problem loans at 3.99% of loans (-4 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 13.82%, up 56 bps from a year ago.
  • Funding: loans stand at 80.11% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.28%+7 bps YoY

Net Interest Margin (YTD, annualized)

4.45%-9 bps YoY

Efficiency Ratio (YTD, annualized)

63.98%-34 bps YoY

Tier 1 Leverage Ratio

13.82%+56 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.21%1.17%1.15%1.30%1.28%+7 bps
Return on Equity9.68%9.16%8.86%9.72%9.51%-18 bps
Net Interest Margin4.55%4.70%4.68%4.44%4.45%-9 bps
Efficiency Ratio64.32%65.23%66.66%64.05%63.98%-34 bps
Non-Interest Burden2.85%2.98%3.08%2.79%2.79%-6 bps
Growth
Asset Growth (YoY)5.42%1.82%-0.11%0.46%2.16%-326 bps
Loan Growth (YoY)1.68%2.67%2.71%-1.56%-2.16%-384 bps
Deposit Growth (YoY)1.48%1.38%-1.59%-0.36%5.13%+364 bps
Asset Quality
Nonperforming Loans / Loans4.02%3.15%3.52%4.20%3.99%-4 bps
Net Charge-Offs / Loans0.11%0.13%0.10%0.01%0.01%-10 bps
Allowance / Loans1.04%1.02%1.09%1.14%1.16%+12 bps
Allowance Coverage of NPLs0.3x0.3x0.3x0.3x0.3x0.0x
Capital
Tier 1 Leverage Ratio13.26%14.13%14.40%13.66%13.82%+56 bps
Total Risk-Based Capital20.95%21.06%21.83%22.33%22.72%+177 bps
Equity / Assets12.77%13.71%13.73%13.04%13.50%+73 bps
Liquidity & Funding
Loans / Deposits86.08%88.86%83.99%77.81%80.11%-597 bps
Liquid Assets / Assets5.59%0.54%4.79%12.51%10.05%+446 bps
CRE / Total Capitaln/a212%201%188.99%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Guaranty Bank and Trust Company

New Roads, LA · Cert 17767 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Great Guaranty Bancshares Inc.

State charter, non-member · FDIC · 7 branches

Q2 2026

$318.5MAssets
$220.1MLoans
$274.8MDeposits
$43.0MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 86% of banks under $1B in assets operating in a single state (rank 106 of 746).
  • Widest gap: nonperforming loans / loans trails 97% of banks under $1B in assets operating in a single state (rank 723 of 743).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.27%

Rank 261 of 746

Net Interest Margin

4.45%

Rank 106 of 746

Efficiency Ratio

63.98%

Rank 359 of 746

Equity / Assets

13.50%

Rank 163 of 746

Non-interest income vs. expense

$0.6M$9.6MINCOMEEXPENSE
Unfavorable gap of $9.0M · efficiency ratio beats 52% of banks under $1B in assets operating in a single state
Bank 63.98%Peer median 64.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.27%0.72%1.06%1.45%Beats 65%261 / 746
Return on Equity9.38%6.74%10.51%13.63%Beats 42%433 / 746
Net Interest Margin4.45%3.17%3.68%4.16%Beats 86%106 / 746
Efficiency Ratio63.98%55.74%64.58%75.47%Beats 52%359 / 746
Asset Quality
Nonperforming Loans / Loans3.99%0.09%0.42%1.07%Beats 3%723 / 743
Net Charge-Offs / Loans0.01%0.00%0.01%0.05%Beats 45%407 / 743
Capital
Tier 1 Capital Ratio21.50%11.55%13.75%17.60%Beats 86%106 / 746
Total Risk-Based Capital Ratio22.72%11.71%14.33%18.43%Beats 86%103 / 746
Equity / Assets13.50%8.90%10.51%13.06%Beats 78%163 / 746
Liquidity & Funding
Loans / Deposits80.11%61.31%78.27%90.78%54th pctl343 / 746
Loans / Assets69.09%53.60%66.97%76.08%55th pctl333 / 746
Brokered Deposits / Depositsn/aNot reported for this institution