BlastPoint's Banking Scorecard

Guaranty Bank and Trust Company

$1B-$10B Specialty: Commercial MS FDIC cert 15953

Designations: ✓ Community bank

Belzoni, MS

42 branches across MS · TN

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 11 in MS.
Deposits +11.8% year over year ($2.6B on the books).
Delinquency rate 2.04%.
Return on assets 1.11%.
Efficiency ratio 60.90% vs a 59.73% peer average.
Loan-to-deposit ratio 82.07% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 11 in MS

View $1B-$10B leaderboard (MS) →

Guaranty Bank and Trust Company has 1 strength but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Net Interest Margin 0.34% above tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 43.7% in tier
- Credit Risk Growth: Bottom 47.3% in tier
- Nonperforming Asset Ratio 0.98% above tier average
- ROA 0.28% below tier average
- Efficiency Ratio 1.17% above tier average

Get updates when Guaranty Bank and Trust Company releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Total Assets ?	$3.1B +7.7% YoY +1.9% QoQ	+$275.8M	$2.8B -0.6% YoY	$2.3B +4.7% YoY	$6.3B +7.7% YoY	71%
Total Loans ?	$2.2B +9.0% YoY +4.9% QoQ	+$210.2M	$2.0B -0.3% YoY	$1.6B +6.5% YoY	$3.2B +9.4% YoY	71%
Total Deposits ?	$2.6B +11.8% YoY -0.1% QoQ	+$329.3M	$2.3B -0.5% YoY	$1.9B +4.9% YoY	$4.9B +7.3% YoY	73%
Return on Assets ?	1.11% -1.0% YoY +21.7% QoQ	-0.28%	1.39% +17.0% YoY	1.27% +12.8% YoY	1.30% +12.1% YoY	38%
Net Interest Margin ?	4.21% +6.2% YoY +3.0% QoQ	+0.34%	3.87% +6.2% YoY	4.02% +5.6% YoY	3.95% +4.9% YoY	78%
Efficiency Ratio ?	60.90% +3.7% YoY -6.4% QoQ	+1.17%	59.73% -12.6% YoY	65.83% -2.8% YoY	70.05% +2.5% YoY	44%
Delinquency Rate ?	2.04% +8.5% YoY +4.5% QoQ	+1.17%	0.87% +11.7% YoY	1.03% +6.0% YoY	0.98% +16.3% YoY	Bottom 8.6% in tier
Loan-to-Deposit Ratio ?	82.07% -2.5% YoY +5.0% QoQ	-2.96%	85.04% -0.1% YoY	72.48% +3.6% YoY	79.03% +2.3% YoY	64%
Non-Interest-Bearing Deposit Share ?	18.39% -6.2% YoY +1.6% QoQ	-2.89%	21.27% -1.5% YoY	22.74% -2.6% YoY	21.98% -0.6% YoY	42%
Nonperforming Asset Ratio ?	1.65% +3.1% YoY +6.5% QoQ	+0.98%	0.67% +11.7% YoY	0.80% +11.3% YoY	0.69% +15.8% YoY	Bottom 8.5% in tier
Tier 1 Capital Ratio ?	10.42% +2.7% YoY +0.9% QoQ	-4.42%	14.84% -0.4% YoY	13.77% -2.2% YoY	17.09% +0.8% YoY	Bottom 10.1% in tier
Non-Interest Income / Assets ?	0.35% -18.6% YoY +94.2% QoQ	-0.18%	0.53% +2.5% YoY	0.38% +2.4% YoY	0.66% +5.2% YoY	61%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Noninterest-Bearing	18.4% -1.2pp YoY +0.3pp QoQ	-3.0pp	21.4%	23.1%	22.2%	42%
Brokered Deposits	6.3% -0.5pp YoY 0.0pp QoQ	-3.1pp	9.5%	3.8%	8.5%	55%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
C&I	11.8% -0.5pp YoY +0.2pp QoQ	-2.2pp	14.0%	12.4%	12.5%	54%
CRE	52.2% +0.9pp YoY 0.0pp QoQ	+2.2pp	50.0%	42.3%	41.4%	58%
1-4 Family	24.8% +0.7pp YoY -0.6pp QoQ	-1.6pp	26.4%	33.1%	31.3%	55%
Consumer	2.0% -0.3pp YoY -0.1pp QoQ	-2.8pp	4.7%	5.6%	5.0%	63%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	15.6%	16.5%	19.7%	n/a
Leverage Ratio	10.4% +0.3pp YoY +0.1pp QoQ	-0.9pp	11.3%	11.9%	12.6%	48%
Total Capital Ratio	n/a	n/a	16.7%	17.7%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Full-Time Employees	486 +28 (+6.1%) YoY +6 (+1.2%) QoQ	+172	313	297	482	82%
Assets per Employee ($)	$6.3M +1.5% YoY +0.7% QoQ	-$4.2M	$10.5M	$6.2M	$8.8M	15%
Branch Count	42 -1 (-2.3%) YoY -1 (-2.3%) QoQ	+22	20	22	18	91%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.2%	0.3%	0.4%	24%
Nonaccrual	2.1% +0.2pp YoY +0.1pp QoQ	+1.2pp	0.8%	0.9%	1.0%	93%
Allowance Coverage	0.70x +0.9% YoY -4.1% QoQ	-18.01x	18.71x	4.87x	20.23x	12%
Net Charge-off Rate (YTD)	0.1% -0.2pp YoY 0.0pp QoQ	-0.2pp	0.3%	0.1%	0.2%	69%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
ROE	9.9% -0.6pp YoY +1.8pp QoQ	-2.7pp	12.6%	11.7%	11.6%	32%
Cost of Funds (YTD)	2.1% -0.3pp YoY 0.0pp QoQ	+0.2pp	1.9%	1.8%	1.7%	66%
Net Income ($, YTD)	$16.6M +3.3% YoY — QoQ	-$2.6M	$19.2M	$13.8M	$40.4M	63%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Capital Thin

risk

#98 of 222 • Bottom 43.7% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 10.42%

(Tier: 14.84%, National: 17.09%)

worse than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable | QoQ rank declining

Credit Risk Growth

risk

#191 of 402 • Bottom 47.3% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally

→ Stable -58 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (1 metrics)

198

Net Interest Margin

profitability

Value: 4.21%

Peer Median: 3.87%

#198 of 885 Top 22.3% in $1B-$10B

Top Weaknesses (3 metrics)

811

Nonperforming Asset Ratio

credit_quality

Value: 1.65%

Peer Median: 0.67%

#811 of 885 Bottom 8.5% in $1B-$10B

807

Delinquency Rate

credit_quality

Value: 2.04%

Peer Median: 0.87%

#807 of 882 Bottom 8.6% in $1B-$10B

797

Tier 1 Capital Ratio

capital

Value: 10.42%

Peer Median: 14.84%

#797 of 885 Bottom 10.1% in $1B-$10B