BlastPoint's Banking Scorecard

Guaranty Bank & Trust Company of Delhi, Louisiana

$100M-$1B Specialty: Commercial LA FDIC cert 19638

Delhi, LA

10 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 +8.0% year over year ($411.6M on the books).
Delinquency rate 1.30%.
Return on assets 1.45%.
Efficiency ratio 56.65% vs a 64.48% peer average.
Loan-to-deposit ratio 80.39% 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 & Trust Company of Delhi, Louisiana has 2 strengths but faces 2 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

+ ROA 0.13% above tier average
+ Efficiency Ratio 7.83% below tier average

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 45.3% in tier
- Delinquency Rate 0.38% above tier average

Get updates when Guaranty Bank & Trust Company of Delhi, Louisiana releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Total Assets ?	$457.4M +2.3% YoY +1.4% QoQ	+$70.8M	$386.6M +1.2% YoY	$799.3M +7.8% YoY	$6.3B +7.7% YoY	68%
Total Loans ?	$330.9M +0.9% YoY +1.4% QoQ	+$72.6M	$258.3M +1.7% YoY	$538.5M +5.3% YoY	$3.2B +9.4% YoY	72%
Total Deposits ?	$411.6M +8.0% YoY +1.5% QoQ	+$84.9M	$326.7M +0.7% YoY	$677.9M +7.3% YoY	$4.9B +7.3% YoY	71%
Return on Assets ?	1.45% -15.4% YoY +21.4% QoQ	+0.13%	1.32% +10.8% YoY	1.37% +23.6% YoY	1.30% +12.1% YoY	63%
Net Interest Margin ?	3.95% -0.9% YoY +4.1% QoQ	-0.04%	3.99% +5.0% YoY	4.15% +0.0% YoY	3.95% +4.9% YoY	50%
Efficiency Ratio ?	56.65% -1.0% YoY -7.4% QoQ	-7.83%	64.48% -3.2% YoY	69.40% -0.9% YoY	70.05% +2.5% YoY	68%
Delinquency Rate ?	1.30% -31.7% YoY -47.6% QoQ	+0.38%	0.92% +15.7% YoY	1.53% +7.9% YoY	0.98% +16.3% YoY	22%
Loan-to-Deposit Ratio ?	80.39% -6.6% YoY -0.1% QoQ	+2.44%	77.95% +1.0% YoY	77.15% -1.0% YoY	79.03% +2.3% YoY	48%
Non-Interest-Bearing Deposit Share ?	24.21% +3.9% YoY +7.9% QoQ	+2.18%	22.03% -0.6% YoY	24.65% +0.5% YoY	21.98% -0.6% YoY	63%
Nonperforming Asset Ratio ?	1.17% -18.6% YoY -43.5% QoQ	+0.50%	0.67% +16.4% YoY	1.11% +4.1% YoY	0.69% +15.8% YoY	17%
Tier 1 Capital Ratio ?	14.93% +2.3% YoY -1.3% QoQ	-0.98%	15.91% +1.4% YoY	17.35% +5.4% YoY	17.09% +0.8% YoY	65%
Non-Interest Income / Assets ?	0.17% -4.6% YoY +104.4% QoQ	-0.40%	0.57% +7.6% YoY	0.33% +19.6% YoY	0.66% +5.2% YoY	40%

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	24.2% +0.9pp YoY +1.8pp QoQ	+2.1pp	22.1%	24.6%	22.2%	63%
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	4.2% +1.5pp YoY +1.6pp QoQ	-7.4pp	11.6%	12.6%	12.5%	15%
CRE	36.3% -1.2pp YoY -0.7pp QoQ	-3.3pp	39.5%	44.9%	41.4%	45%
1-4 Family	54.2% +0.1pp YoY -1.0pp QoQ	+21.6pp	32.6%	34.2%	31.3%	86%
Consumer	1.4% -0.2pp YoY -0.1pp QoQ	-2.7pp	4.1%	4.2%	5.0%	37%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
CET1 Ratio	14.9% +0.3pp YoY -0.2pp QoQ	-3.9pp	18.8%	22.5%	19.7%	48%
Leverage Ratio	8.5% +0.1pp YoY +0.1pp QoQ	-3.7pp	12.2%	13.4%	12.6%	6%
Total Capital Ratio	15.6% +0.3pp YoY -0.3pp QoQ	-4.3pp	19.9%	23.6%	20.8%	44%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Full-Time Employees	66 -1 (-1.5%) YoY +2 (+3.1%) QoQ	+7	58	114	482	68%
Assets per Employee ($)	$6.9M +3.8% YoY -1.7% QoQ	-$588K	$7.5M	$6.8M	$8.8M	51%
Branch Count	10 0 YoY 0 QoQ	+5	4	9	18	90%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Past Due 90+ Days	0.3% +0.2pp YoY +0.1pp QoQ	0.0pp	0.3%	0.4%	0.4%	75%
Nonaccrual	1.0% -0.8pp YoY -1.2pp QoQ	0.0pp	0.9%	1.4%	1.0%	71%
Allowance Coverage	0.41x +40.5% YoY +60.2% QoQ	-23.75x	24.15x	27.36x	20.23x	7%
Net Charge-off Rate (YTD)	0.5% +0.4pp YoY +0.3pp QoQ	+0.3pp	0.1%	0.1%	0.2%	94%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
ROE	17.5% -3.2pp YoY +3.0pp QoQ	+5.3pp	12.2%	12.5%	11.6%	80%
Cost of Funds (YTD)	2.6% -0.2pp YoY -0.1pp QoQ	+0.9pp	1.7%	1.7%	1.7%	92%
Net Income ($, YTD)	$3.3M -11.0% YoY — QoQ	+$774K	$2.6M	$5.1M	$40.4M	73%

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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 (1)

Margin Compression

decline

#140 of 307 • Bottom 45.3% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 1.45%

(Tier: 1.32%, National: 1.30%)

better than tier avg

307 of 307 Community banks match · 413 nationally

→ Stable +8 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 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (2 metrics)

2194

Nonperforming Asset Ratio

credit_quality

Value: 1.17%

Peer Median: 0.67%

#2194 of 2643 Bottom 17.0% in $100M-$1B

2054

Delinquency Rate

credit_quality

Value: 1.30%

Peer Median: 0.92%

#2054 of 2633 Bottom 22.0% in $100M-$1B