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Guaranty Bank

Springfield, MO · Cert 28670

FDIC · 16 branches

Q1 2022

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2022, the quarter ended March 31, 2022, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Guaranty Bank

Springfield, MO · Cert 28670

FDIC · 16 branches

Q1 2022

$1.2BAssets
$820.6MLoans
$1.1BDeposits
$117.5MEquity
Loan mix
81%RE $489.1M18%C&I $109.6M1%Consumer $4.6MQ1 2021Q1 2022
Deposit mix
57%Interest-bearing $611.3M43%Noninterest $466.3MQ1 2021Q1 2022

NIM

4.22%Q1 ’203.35%Q1 ’213.16%Q1 ’22-11%+3%

Non-interest income vs. expense

2.55%Q1 ’202.39%Q1 ’213.09%Q1 ’22-11%+54%

Market Position · Springfield, MO · 2021 SOD (annual) · 5.4% share · #5 of 36 inst. · $0.8B of $14.6B

6.0% Greene
5.5% Jasper
6.5% Christian
2.7% Newton

Executive Summary

  • Earnings: ROA of 0.47%, down 49 bps year over year; NIM at 2.90%.
  • Asset quality: problem loans at 1.15% of loans (-120 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.86%, up 26 bps from a year ago.
  • Funding: loans stand at 76.15% of deposits as of Q1 2022.

Financial Results

Return on Assets (YTD, annualized)

0.47%-49 bps YoY

Net Interest Margin (YTD, annualized)

2.90%+8 bps YoY

Efficiency Ratio (YTD, annualized)

85.53%+2,016 bps YoY

Tier 1 Leverage Ratio

9.86%+26 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2021Q2 2021Q3 2021Q4 2021Q1 2022YoY ΔTrend
Earnings
Return on Assets0.95%0.99%1.11%1.14%0.47%-49 bps
Return on Equity9.73%10.07%11.13%11.24%4.65%-508 bps
Net Interest Margin2.82%2.85%3.01%3.04%2.90%+8 bps
Efficiency Ratio65.37%64.19%70.28%68.49%85.53%+2,016 bps
Non-Interest Burden1.54%1.50%1.84%1.79%2.37%+83 bps
Growth
Asset Growth (YoY)19.64%6.23%2.73%2.47%-0.29%-1,993 bps
Loan Growth (YoY)4.10%3.11%1.35%8.15%7.82%+371 bps
Deposit Growth (YoY)20.80%6.79%8.27%7.80%4.68%-1,613 bps
Asset Quality
Nonperforming Loans / Loans2.36%1.27%1.26%1.18%1.15%-120 bps
Net Charge-Offs / Loans0.07%-0.05%-0.02%-0.02%0.00%-7 bps
Allowance / Loans1.30%1.29%1.33%1.28%1.29%-1 bps
Allowance Coverage of NPLs0.6x1.0x1.1x1.1x1.1x+0.6x
Capital
Tier 1 Leverage Ratio9.60%9.57%9.89%10.06%9.86%+26 bps
Total Risk-Based Capital9.60%9.57%9.89%10.06%9.86%+26 bps
Equity / Assets9.52%10.01%10.45%10.54%9.61%+9 bps
Liquidity & Funding
Loans / Deposits73.93%81.87%78.66%80.93%76.15%+222 bps
Liquid Assets / Assets17.51%9.22%12.43%10.43%14.78%-273 bps
CRE / Total Capitaln/an/an/an/an/an/an/a