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
Unfavorable gap of $9.0M · efficiency ratio beats 52% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.27% | 0.72% | 1.06% | 1.45% | Beats 65% | 261 / 746 | | |
| Return on Equity | 9.38% | 6.74% | 10.51% | 13.63% | Beats 42% | 433 / 746 | | |
| Net Interest Margin | 4.45% | 3.17% | 3.68% | 4.16% | Beats 86% | 106 / 746 | | |
| Efficiency Ratio | 63.98% | 55.74% | 64.58% | 75.47% | Beats 52% | 359 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.99% | 0.09% | 0.42% | 1.07% | Beats 3% | 723 / 743 | | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.05% | Beats 45% | 407 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 21.50% | 11.55% | 13.75% | 17.60% | Beats 86% | 106 / 746 | | |
| Total Risk-Based Capital Ratio | 22.72% | 11.71% | 14.33% | 18.43% | Beats 86% | 103 / 746 | | |
| Equity / Assets | 13.50% | 8.90% | 10.51% | 13.06% | Beats 78% | 163 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 80.11% | 61.31% | 78.27% | 90.78% | 54th pctl | 343 / 746 | | |
| Loans / Assets | 69.09% | 53.60% | 66.97% | 76.08% | 55th pctl | 333 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |