PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Guaranty Bank Inc.

Williamson, WV · Cert 22273

State charter, non-member · FDIC · 5 branches

Q2 2026

$152.4MAssets
$117.2MLoans
$126.4MDeposits
$20.2MEquity
Loan mix
88%RE $104.8M10%C&I $11.4M2%Consumer $2.4MQ2 2025Q2 2026
Deposit mix
80%Interest-bearing $101.1M20%Noninterest $25.4MQ2 2025Q2 2026

NIM

6.00%Q2 ’246.18%Q2 ’256.05%Q2 ’26+1%-5%

Non-interest income vs. expense

3.41%Q2 ’243.59%Q2 ’254.07%Q2 ’26+8%+18%

Market Position · Huntington-Ashland, WV-KY-OH · 2026 SOD (annual) · 0.1% share · #25 of 26 inst. · $0.0B of $8.0B

26.0% Mingo
2.3% Wayne
0.0% Kanawha

Executive Summary

  • Earnings: ROA of 0.24%, down 63 bps year over year; NIM at 4.06%.
  • Asset quality: problem loans at 2.48% of loans (+69 bps YoY), with net recoveries of 0.19%.
  • Capital: tier 1 leverage ratio of 13.62%, down 22 bps from a year ago.
  • Funding: loans stand at 92.68% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.24%-63 bps YoY

Net Interest Margin (quarter, annualized)

4.06%-22 bps YoY

Efficiency Ratio (quarter, annualized)

92.99%+1,634 bps YoY

Tier 1 Leverage Ratio

13.62%-22 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.87%0.88%0.57%0.30%0.24%-63 bps
Return on Equity6.36%6.28%4.14%2.18%1.78%-458 bps
Net Interest Margin4.28%4.71%4.34%4.06%4.06%-22 bps
Efficiency Ratio76.64%77.72%80.28%87.67%92.99%+1,634 bps
Non-Interest Burden3.19%3.58%3.42%3.52%3.75%+56 bps
Growth
Asset Growth (YoY)-0.07%0.35%3.95%3.35%8.14%+820 bps
Loan Growth (YoY)-2.02%-1.40%2.58%1.51%-0.63%+139 bps
Deposit Growth (YoY)0.29%0.33%4.13%3.75%7.45%+716 bps
Asset Quality
Nonperforming Loans / Loans1.78%1.69%1.37%1.95%2.48%+69 bps
Net Charge-Offs / Loans-0.03%-0.01%0.08%0.34%-0.19%-16 bps
Allowance / Loans1.64%1.64%1.60%1.60%1.66%+2 bps
Allowance Coverage of NPLs0.9x1.0x1.2x0.8x0.7x-0.2x
Capital
Tier 1 Leverage Ratio13.84%14.05%13.88%13.76%13.62%-22 bps
Total Risk-Based Capital19.36%19.18%18.88%19.17%19.23%-13 bps
Equity / Assets13.84%14.02%13.72%13.57%13.28%-56 bps
Liquidity & Funding
Loans / Deposits100.22%99.77%97.98%94.99%92.68%-754 bps
Liquid Assets / Assets0.87%0.27%1.03%2.36%0.71%-16 bps
CRE / Total Capitaln/a327%338%330%n/an/a