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Guaranty Bank and Trust Company

$100M-$1B Specialty: Commercial LA FDIC cert 17767

Designations: ✓ CDFI-certified

New Roads, LA

7 branches across LA

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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 73 in LA.
  • Deposits +5.1% year over year ($274.8M on the books).
  • Delinquency rate 4.03%.
  • Return on assets 1.28%.
  • Efficiency ratio 63.98% vs a 64.48% peer average.
  • Loan-to-deposit ratio 79.18% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 73 in LA
View $100M-$1B leaderboard (LA) →

Guaranty Bank and Trust Company has 2 strengths but faces 3 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 0.90% above tier average
  • + Efficiency Ratio 0.50% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 31.3% in tier
  • - Delinquency Rate 3.12% above tier average
  • - Nonperforming Asset Ratio 2.13% 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 (LA) National Avg Tier Percentile
Total Assets ? $318.5M
+2.2% YoY -1.4% QoQ
-$68.0M $386.6M
+1.2% YoY
$799.3M
+7.8% YoY
$6.3B
+7.7% YoY
49%
Total Loans ? $217.5M
-2.3% YoY +0.9% QoQ
-$40.8M $258.3M
+1.7% YoY
$538.5M
+5.3% YoY
$3.2B
+9.4% YoY
52%
Total Deposits ? $274.8M
+5.1% YoY -1.9% QoQ
-$52.0M $326.7M
+0.7% YoY
$677.9M
+7.3% YoY
$4.9B
+7.3% YoY
50%
Return on Assets ? 1.28%
+5.7% YoY -1.9% QoQ
-0.05% 1.32%
+10.8% YoY
1.37%
+23.6% YoY
1.30%
+12.1% YoY
52%
Net Interest Margin ? 4.89%
-0.3% YoY +1.0% QoQ
+0.90% 3.99%
+5.0% YoY
4.15%
+0.0% YoY
3.95%
+4.9% YoY
Top 10.1% in tier
Efficiency Ratio ? 63.98%
-0.5% YoY -0.1% QoQ
-0.50% 64.48%
-3.2% YoY
69.40%
-0.9% YoY
70.05%
+2.5% YoY
45%
Delinquency Rate ? 4.03%
-0.8% YoY -5.1% QoQ
+3.12% 0.92%
+15.7% YoY
1.53%
+7.9% YoY
0.98%
+16.3% YoY
Bottom 3.6% in tier
Loan-to-Deposit Ratio ? 79.18%
-7.0% YoY +2.9% QoQ
+1.23% 77.95%
+1.0% YoY
77.15%
-1.0% YoY
79.03%
+2.3% YoY
51%
Non-Interest-Bearing Deposit Share ? 26.16%
-3.3% YoY -3.2% QoQ
+4.13% 22.03%
-0.6% YoY
24.65%
+0.5% YoY
21.98%
-0.6% YoY
70%
Nonperforming Asset Ratio ? 2.80%
-9.0% YoY -7.5% QoQ
+2.13% 0.67%
+16.4% YoY
1.11%
+4.1% YoY
0.69%
+15.8% YoY
Bottom 3.9% in tier
Tier 1 Capital Ratio ? 21.50%
+8.3% YoY +1.8% QoQ
+5.59% 15.91%
+1.4% YoY
17.35%
+5.4% YoY
17.09%
+0.8% YoY
Top 11.2% in tier
Non-Interest Income / Assets ? 0.09%
-24.0% YoY +145.1% QoQ
-0.48% 0.57%
+7.6% YoY
0.33%
+19.6% YoY
0.66%
+5.2% YoY
Bottom 14.9% in tier

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 (LA) National Avg Tier Percentile
Noninterest-Bearing 26.2%
-0.9pp YoY
-0.9pp QoQ
 +4.0pp 22.1% 24.6% 22.2% 70%
Brokered Deposits n/a n/a 7.9% 6.7% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
C&I 3.1%
-1.0pp YoY
+0.6pp QoQ
 -8.4pp 11.6% 12.6% 12.5% 10%
CRE 36.5%
-4.5pp YoY
-1.8pp QoQ
 -3.1pp 39.5% 44.9% 41.4% 46%
1-4 Family 43.9%
+3.2pp YoY
0.0pp QoQ
 +11.2pp 32.6% 34.2% 31.3% 76%
Consumer 2.2%
-0.1pp YoY
-0.7pp QoQ
 -1.9pp 4.1% 4.2% 5.0% 51%

Capital

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
CET1 Ratio 21.5%
+1.6pp YoY
+0.4pp QoQ
 +2.7pp 18.8% 22.5% 19.7% 82%
Leverage Ratio 13.8%
+0.6pp YoY
+0.2pp QoQ
 +1.6pp 12.2% 13.4% 12.6% 80%
Total Capital Ratio 22.7%
+1.8pp YoY
+0.4pp QoQ
 +2.8pp 19.9% 23.6% 20.8% 82%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Full-Time Employees 74
-6 (-7.5%) YoY
-5 (-6.3%) QoQ
 +15 58 114 482 73%
Assets per Employee ($) $4.3M
+10.4% YoY
+5.3% QoQ
 -$3.2M $7.5M $6.8M $8.8M 7%
Branch Count 7
0 YoY
0 QoQ
 +2 4 9 18 75%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Past Due 90+ Days 0.9%
-1.2pp YoY
+0.4pp QoQ
 +0.6pp 0.3% 0.4% 0.4% 90%
Nonaccrual 3.1%
+1.2pp YoY
-0.6pp QoQ
 +2.2pp 0.9% 1.4% 1.0% 94%
Allowance Coverage 0.29x
+12.7% YoY
+6.5% QoQ
 -23.86x 24.15x 27.36x 20.23x 3%
Net Charge-off Rate (YTD) 0.0%
-0.1pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 49%

Profitability

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
ROE 9.5%
-0.2pp YoY
-0.2pp QoQ
 -2.7pp 12.2% 12.5% 11.6% 34%
Cost of Funds (YTD) 1.4%
0.0pp YoY
0.0pp QoQ
 -0.3pp 1.7% 1.7% 1.7% 32%
Net Income ($, YTD) $2.0M
+6.6% YoY
— QoQ
 -$538K $2.6M $5.1M $40.4M 52%

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 (1)

Liquidity Overhang

risk
#233 of 742 • Bottom 31.3% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 21.50%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 79.18%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank improving

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

268
Net Interest Margin
profitability
Value: 4.89%
Peer Median: 3.99%
#268 of 2643 Top 10.1% in $100M-$1B
297
Tier 1 Capital Ratio
capital
Value: 21.50%
Peer Median: 15.91%
#297 of 2643 Top 11.2% in $100M-$1B

Top Weaknesses (3 metrics)

2540
Delinquency Rate
credit_quality
Value: 4.03%
Peer Median: 0.92%
#2540 of 2633 Bottom 3.6% in $100M-$1B
2541
Nonperforming Asset Ratio
credit_quality
Value: 2.80%
Peer Median: 0.67%
#2541 of 2643 Bottom 3.9% in $100M-$1B
2251
Non-Interest Income / Assets
revenue_mix
Value: 0.09%
Peer Median: 0.57%
#2251 of 2643 Bottom 14.9% in $100M-$1B
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