Guaranty Bank & Trust Company of Delhi
Delhi, LA · Cert 19638 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Delhi Bancshares Inc.
State charter, non-member · FDIC · 10 branches
Q2 2026
$457.4MAssets
$332.7MLoans
$411.6MDeposits
$38.4MEquity
Executive Summary
- Strongest standing: return on equity outperforms 75% of banks under $1B in assets operating in a single state (rank 190 of 746).
- Widest gap: net charge-offs / loans trails 94% of banks under $1B in assets operating in a single state (rank 699 of 743).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.14%
Rank 329 of 746
Net Interest Margin
3.81%
Rank 325 of 746
Efficiency Ratio
56.65%
Rank 207 of 746
Equity / Assets
8.41%
Rank 611 of 746
Non-interest income vs. expense
Unfavorable gap of $9.2M · efficiency ratio beats 72% 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 | 1.14% | 0.72% | 1.06% | 1.45% | Beats 56% | 329 / 746 | | |
| Return on Equity | 13.59% | 6.74% | 10.51% | 13.63% | Beats 75% | 190 / 746 | | |
| Net Interest Margin | 3.81% | 3.17% | 3.68% | 4.16% | Beats 56% | 325 / 746 | | |
| Efficiency Ratio | 56.65% | 55.74% | 64.58% | 75.47% | Beats 72% | 207 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.29% | 0.09% | 0.42% | 1.07% | Beats 20% | 593 / 743 | | |
| Net Charge-Offs / Loans | 0.26% | 0.00% | 0.01% | 0.05% | Beats 6% | 699 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 14.93% | 11.55% | 13.75% | 17.60% | Beats 61% | 294 / 746 | | |
| Total Risk-Based Capital Ratio | 15.61% | 11.71% | 14.33% | 18.43% | Beats 60% | 299 / 746 | | |
| Equity / Assets | 8.41% | 8.90% | 10.51% | 13.06% | Beats 18% | 611 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 80.82% | 61.31% | 78.27% | 90.78% | 55th pctl | 334 / 746 | | |
| Loans / Assets | 72.73% | 53.60% | 66.97% | 76.08% | 65th pctl | 260 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |