Guaranty Bank Inc.
Williamson, WV · Cert 22273 · Peer group: banks under $1B in assets operating in a single state (n=743-746)
State charter, non-member · FDIC · 5 branches
Q2 2026
$152.4MAssets
$117.2MLoans
$126.4MDeposits
$20.2MEquity
Executive Summary
- Strongest standing: total risk-based capital ratio outperforms 78% of banks under $1B in assets operating in a single state (rank 161 of 746).
- Widest gap: nonperforming loans / loans trails 92% of banks under $1B in assets operating in a single state (rank 684 of 743).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.26%
Rank 681 of 746
Net Interest Margin
4.02%
Rank 240 of 746
Efficiency Ratio
90.35%
Rank 688 of 746
Equity / Assets
13.28%
Rank 170 of 746
Non-interest income vs. expense
Unfavorable gap of $5.4M · efficiency ratio beats 8% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.26% | 0.72% | 1.06% | 1.45% | Beats 9% | 681 / 746 | |
| Return on Equity | 1.98% | 6.74% | 10.51% | 13.63% | Beats 8% | 684 / 746 | |
| Net Interest Margin | 4.02% | 3.17% | 3.68% | 4.16% | Beats 68% | 240 / 746 | |
| Efficiency Ratio | 90.35% | 55.74% | 64.58% | 75.47% | Beats 8% | 688 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.48% | 0.09% | 0.42% | 1.07% | Beats 8% | 684 / 743 | |
| Net Charge-Offs / Loans | 0.09% | 0.00% | 0.01% | 0.05% | Beats 16% | 628 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 17.97% | 11.55% | 13.75% | 17.60% | Beats 77% | 175 / 746 | |
| Total Risk-Based Capital Ratio | 19.23% | 11.71% | 14.33% | 18.43% | Beats 78% | 161 / 746 | |
| Equity / Assets | 13.28% | 8.90% | 10.51% | 13.06% | Beats 77% | 170 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 92.68% | 61.31% | 78.27% | 90.78% | 79th pctl | 159 / 746 | |
| Loans / Assets | 76.90% | 53.60% | 66.97% | 76.08% | 78th pctl | 166 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |