BlastPoint's Banking Scorecard
Guaranty Bank and Trust Company
Designations: ✓ Community bank
Belzoni, MS
43 branches across MS · TN
Guaranty Bank and Trust Company has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.27% above tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 13.3% in tier
- - Margin Compression: Bottom 17.9% in tier
- - Capital Thin: Bottom 19.9% in tier
- - Cost Spiral: Bottom 32.3% in tier
- - NIB Deposit Bleed: Bottom 86.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.0B
+3.6% YoY
+3.4% QoQ
|
+$195.6M |
$2.8B
-0.1% YoY
|
$2.3B
+11.5% YoY
|
$6.2B
+9.1% YoY
|
70% |
| Total Loans ? |
$2.1B
+4.9% YoY
+2.1% QoQ
|
+$106.9M |
$2.0B
+0.6% YoY
|
$1.5B
+13.2% YoY
|
$3.2B
+10.8% YoY
|
69% |
| Total Deposits ? |
$2.7B
+11.0% YoY
+3.8% QoQ
|
+$306.7M |
$2.3B
-0.3% YoY
|
$1.9B
+10.5% YoY
|
$4.8B
+8.2% YoY
|
72% |
| Return on Assets ? |
0.91%
-15.7% YoY
-17.2% QoQ
|
-0.45% |
1.37%
+19.6% YoY
|
1.16%
+5.3% YoY
|
1.23%
+13.4% YoY
|
27% |
| Net Interest Margin ? |
4.09%
+6.2% YoY
+1.2% QoQ
|
+0.27% |
3.82%
+6.9% YoY
|
3.97%
+6.6% YoY
|
3.89%
+5.7% YoY
|
75% |
| Efficiency Ratio ? |
65.09%
+9.2% YoY
+7.8% QoQ
|
+4.03% |
61.06%
-4.6% YoY
|
67.65%
-1.2% YoY
|
66.95%
-4.1% YoY
|
33% |
| Delinquency Rate ? |
1.95%
+0.3% YoY
-16.9% QoQ
|
+1.06% |
0.89%
+14.1% YoY
|
1.06%
+2.0% YoY
|
0.95%
+18.8% YoY
|
Bottom 10.1% in tier |
| Loan-to-Deposit Ratio ? |
78.18%
-5.5% YoY
-1.7% QoQ
|
-6.03% |
84.20%
+0.3% YoY
|
70.20%
+3.2% YoY
|
76.70%
+0.9% YoY
|
70% |
| Non-Interest-Bearing Deposit Share ? |
18.10%
-12.4% YoY
-4.2% QoQ
|
-3.19% |
21.29%
-2.5% YoY
|
22.68%
-1.8% YoY
|
22.01%
-1.2% YoY
|
41% |
| Nonperforming Asset Ratio ? |
1.55%
-0.0% YoY
-18.1% QoQ
|
+0.88% |
0.67%
+15.6% YoY
|
0.74%
+0.7% YoY
|
0.67%
+19.3% YoY
|
Bottom 10.7% in tier |
| Tier 1 Capital Ratio ? |
10.32%
+5.3% YoY
+1.4% QoQ
|
-4.84% |
15.16%
+2.0% YoY
|
13.90%
-1.0% YoY
|
17.06%
+0.8% YoY
|
Bottom 7.2% in tier |
| Non-Interest Income / Assets ? |
0.18%
-22.8% YoY
-80.6% QoQ
|
-0.08% |
0.26%
+1.6% YoY
|
0.17%
-9.5% YoY
|
0.32%
+4.1% YoY
|
65% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (5)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
NIB Deposit Bleed
declineNon-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.