PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Guaranty Bank

Springfield, MO · Cert 58892 · 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
Loan mix
86%RE $1.6B13%C&I $0.2B1%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
84%Interest-bearing $1.6B16%Noninterest $0.3BQ2 2025Q2 2026

NIM

5.41%Q2 ’245.16%Q2 ’254.92%Q2 ’26+4%+7%

Non-interest income vs. expense

1.91%Q2 ’242.10%Q2 ’251.95%Q2 ’26+76%-12%

Market Position · Springfield, MO · 2026 SOD (annual) · 9.6% share · #2 of 41 inst. · $1.7B of $17.8B

10.6% Greene
11.9% Christian
4.6% Jasper
2.1% Newton

Executive Summary

  • Earnings: ROA of 0.67%, down 18 bps year over year; NIM at 2.74%.
  • Asset quality: problem loans at 0.88% of loans (+19 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.34%, down 31 bps from a year ago.
  • Funding: loans stand at 97.60% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.67%-18 bps YoY

Net Interest Margin (quarter, annualized)

2.74%+17 bps YoY

Efficiency Ratio (quarter, annualized)

58.56%-902 bps YoY

Tier 1 Leverage Ratio

12.34%-31 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.84%1.31%1.11%1.23%0.67%-18 bps
Return on Equity5.13%8.07%6.87%7.56%4.07%-106 bps
Net Interest Margin2.57%2.67%2.78%2.88%2.74%+17 bps
Efficiency Ratio67.58%53.83%69.72%58.61%58.56%-902 bps
Non-Interest Burden1.55%0.86%1.75%1.42%1.36%-19 bps
Growth
Asset Growth (YoY)-0.29%3.77%3.16%3.90%0.70%+99 bps
Loan Growth (YoY)-0.76%3.48%2.84%5.82%0.03%+78 bps
Deposit Growth (YoY)4.23%3.19%0.50%-3.56%0.64%-359 bps
Asset Quality
Nonperforming Loans / Loans0.69%1.02%0.87%0.83%0.88%+19 bps
Net Charge-Offs / Loans0.11%0.00%0.38%0.01%0.00%-11 bps
Allowance / Loans1.29%1.34%1.27%1.24%1.53%+24 bps
Allowance Coverage of NPLs1.9x1.3x1.5x1.5x1.7x-0.1x
Capital
Tier 1 Leverage Ratio12.65%12.19%12.03%12.43%12.34%-31 bps
Total Risk-Based Capital14.70%14.19%14.13%14.18%14.44%-25 bps
Equity / Assets16.44%15.92%16.24%16.25%16.54%+10 bps
Liquidity & Funding
Loans / Deposits98.19%103.28%101.78%106.94%97.60%-59 bps
Liquid Assets / Assets8.27%8.89%8.79%8.20%9.43%+117 bps
CRE / Total Capitaln/a482%480%486%n/an/a