Guaranty Bank
Springfield, MO · Cert 58892 · Peer group: banks $1B-$10B in assets (n=322-328) · QCR Holdings Inc.
State charter, Fed member · FED · 3 affiliate banks · 13 branches (37 in holding)
Q2 2026
$2.4BAssets
$1.8BLoans
$1.9BDeposits
$394.3MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 96% of banks $1B-$10B in assets (rank 13 of 328).
- Widest gap: return on equity trails 89% of banks $1B-$10B in assets (rank 293 of 328).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.96%
Rank 238 of 328
Net Interest Margin
2.80%
Rank 282 of 328
Efficiency Ratio
60.85%
Rank 181 of 328
Equity / Assets
16.54%
Rank 13 of 328
Non-interest income vs. expense
Unfavorable gap of $33.7M · efficiency ratio beats 45% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.96% | 0.91% | 1.22% | 1.52% | Beats 27% | 238 / 328 | |
| Return on Equity | 5.80% | 8.43% | 11.45% | 14.43% | Beats 11% | 293 / 328 | |
| Net Interest Margin | 2.80% | 3.03% | 3.45% | 3.83% | Beats 14% | 282 / 328 | |
| Efficiency Ratio | 60.85% | 51.61% | 59.56% | 67.53% | Beats 45% | 181 / 328 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.88% | 0.24% | 0.51% | 1.03% | Beats 29% | 229 / 322 | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.03% | 0.10% | Beats 88% | 39 / 322 | |
| Capital |
| Tier 1 Capital Ratio | 13.19% | 11.75% | 13.15% | 15.47% | Beats 51% | 160 / 328 | |
| Total Risk-Based Capital Ratio | 14.44% | 12.63% | 14.15% | 16.46% | Beats 54% | 150 / 328 | |
| Equity / Assets | 16.54% | 9.15% | 10.33% | 12.01% | Beats 96% | 13 / 328 | |
| Liquidity & Funding |
| Loans / Deposits | 97.60% | 76.63% | 87.92% | 95.36% | 80th pctl | 63 / 323 | |
| Loans / Assets | 76.96% | 65.18% | 74.15% | 79.98% | 64th pctl | 119 / 328 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |