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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

$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