BlastPoint's Banking Scorecard
Guaranty Bank and Trust Company
Designations: ✓ CDFI-certified
New Roads, LA
7 branches across LA
Guaranty Bank and Trust Company has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.91% above tier average
- + Efficiency Ratio 1.23% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 34.9% in tier
- - Delinquency Rate 3.37% above tier average
- - Nonperforming Asset Ratio 2.39% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$323.0M
+0.5% YoY
+5.2% QoQ
|
-$63.1M |
$386.1M
+0.5% YoY
|
$784.8M
+7.0% YoY
|
$6.2B
+9.1% YoY
|
50% |
| Total Loans ? |
$215.6M
-1.7% YoY
-1.9% QoQ
|
-$40.2M |
$255.7M
+1.1% YoY
|
$523.7M
+4.0% YoY
|
$3.2B
+10.8% YoY
|
52% |
| Total Deposits ? |
$280.2M
-0.4% YoY
+6.0% QoQ
|
-$47.8M |
$328.0M
+0.1% YoY
|
$671.5M
+6.9% YoY
|
$4.8B
+8.2% YoY
|
51% |
| Return on Assets ? |
1.30%
+9.6% YoY
+13.3% QoQ
|
+0.03% |
1.27%
+12.9% YoY
|
1.24%
+12.4% YoY
|
1.23%
+13.4% YoY
|
56% |
| Net Interest Margin ? |
4.84%
+1.1% YoY
-1.6% QoQ
|
+0.91% |
3.93%
+6.0% YoY
|
4.12%
+1.2% YoY
|
3.89%
+5.7% YoY
|
Top 10.1% in tier |
| Efficiency Ratio ? |
64.05%
-3.0% YoY
-3.9% QoQ
|
-1.23% |
65.29%
-4.5% YoY
|
70.37%
-1.0% YoY
|
66.95%
-4.1% YoY
|
47% |
| Delinquency Rate ? |
4.25%
+86.4% YoY
+19.6% QoQ
|
+3.37% |
0.89%
+18.8% YoY
|
1.51%
+4.5% YoY
|
0.95%
+18.8% YoY
|
Bottom 3.0% in tier |
| Loan-to-Deposit Ratio ? |
76.92%
-1.4% YoY
-7.4% QoQ
|
+0.29% |
76.64%
+0.8% YoY
|
75.16%
-1.5% YoY
|
76.70%
+0.9% YoY
|
53% |
| Non-Interest-Bearing Deposit Share ? |
27.04%
-5.4% YoY
-3.1% QoQ
|
+5.02% |
22.02%
-1.0% YoY
|
24.55%
-1.4% YoY
|
22.01%
-1.2% YoY
|
74% |
| Nonperforming Asset Ratio ? |
3.03%
+56.8% YoY
+6.4% QoQ
|
+2.39% |
0.64%
+19.7% YoY
|
1.07%
+4.2% YoY
|
0.67%
+19.3% YoY
|
Bottom 2.9% in tier |
| Tier 1 Capital Ratio ? |
21.12%
-2.5% YoY
+2.1% QoQ
|
+5.29% |
15.83%
+1.5% YoY
|
16.56%
+0.4% YoY
|
17.06%
+0.8% YoY
|
Top 11.3% in tier |
| Non-Interest Income / Assets ? |
0.04%
-37.4% YoY
-72.6% QoQ
|
-0.24% |
0.28%
+9.3% YoY
|
0.11%
-17.3% YoY
|
0.32%
+4.1% YoY
|
Bottom 11.0% in tier |
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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 (1)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.