BlastPoint's Banking Scorecard

Guaranty Bank Inc.

$100M-$1B Specialty: Commercial WV FDIC cert 22273

Williamson, WV

5 branches across WV

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 32 in WV.
Deposits +7.5% year over year ($126.4M on the books).
Delinquency rate 2.52%.
Return on assets 0.27%.
Efficiency ratio 90.35% vs a 64.48% peer average.
Loan-to-deposit ratio 91.14% 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 32 in WV

View $100M-$1B leaderboard (WV) →

Guaranty Bank Inc. has 1 strength but faces 6 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 0.32% above tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 5.3% in tier
- Liquidity Strain: Bottom 5.3% in tier
- Liquidity Overhang: Bottom 30.9% in tier
- Return on Assets 1.05% below tier average
- Delinquency Rate 1.60% above tier average
- Nonperforming Asset Ratio 1.29% above tier average

Get updates when Guaranty Bank Inc. releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
Total Assets ?	$152.4M +8.1% YoY +2.5% QoQ	-$234.2M	$386.6M +1.2% YoY	$1.3B +5.7% YoY	$6.3B +7.7% YoY	Bottom 14.8% in tier
Total Loans ?	$115.2M -0.7% YoY -1.3% QoQ	-$143.1M	$258.3M +1.7% YoY	$899.3M +7.6% YoY	$3.2B +9.4% YoY	24%
Total Deposits ?	$126.4M +7.5% YoY +1.2% QoQ	-$200.3M	$326.7M +0.7% YoY	$1.1B +6.2% YoY	$4.9B +7.3% YoY	Bottom 14.2% in tier
Return on Assets ?	0.27% -65.3% YoY -10.0% QoQ	-1.05%	1.32% +10.8% YoY	1.06% +30.6% YoY	1.30% +12.1% YoY	Bottom 6.8% in tier
Net Interest Margin ?	4.30% -3.7% YoY +0.6% QoQ	+0.32%	3.99% +5.0% YoY	3.90% +8.7% YoY	3.95% +4.9% YoY	71%
Efficiency Ratio ?	90.35% +21.1% YoY +3.1% QoQ	+25.87%	64.48% -3.2% YoY	68.34% -7.3% YoY	70.05% +2.5% YoY	Bottom 5.6% in tier
Delinquency Rate ?	2.52% +38.8% YoY +27.2% QoQ	+1.60%	0.92% +15.7% YoY	0.74% +17.9% YoY	0.98% +16.3% YoY	Bottom 8.7% in tier
Loan-to-Deposit Ratio ?	91.14% -7.5% YoY -2.5% QoQ	+13.19%	77.95% +1.0% YoY	79.72% +2.0% YoY	79.03% +2.3% YoY	24%
Non-Interest-Bearing Deposit Share ?	20.05% -2.9% YoY +4.1% QoQ	-1.98%	22.03% -0.6% YoY	26.43% -1.4% YoY	21.98% -0.6% YoY	46%
Nonperforming Asset Ratio ?	1.96% +31.0% YoY +21.7% QoQ	+1.29%	0.67% +16.4% YoY	0.55% +10.4% YoY	0.69% +15.8% YoY	Bottom 7.6% in tier
Tier 1 Capital Ratio ?	17.97% -0.7% YoY +0.3% QoQ	+2.06%	15.91% +1.4% YoY	14.02% -0.7% YoY	17.09% +0.8% YoY	81%
Non-Interest Income / Assets ?	0.15% -22.7% YoY +94.4% QoQ	-0.41%	0.57% +7.6% YoY	0.30% +5.9% YoY	0.66% +5.2% YoY	36%

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 (WV)	National Avg	Tier Percentile
Noninterest-Bearing	20.1% -0.6pp YoY +0.8pp QoQ	-2.1pp	22.1%	27.1%	22.2%	45%
Brokered Deposits	13.5% -2.7pp YoY -0.1pp QoQ	+5.6pp	7.9%	3.0%	8.5%	83%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
C&I	8.4% -2.1pp YoY -1.3pp QoQ	-3.1pp	11.6%	7.1%	12.5%	43%
CRE	55.9% +1.9pp YoY -1.4pp QoQ	+16.4pp	39.5%	33.8%	41.4%	80%
1-4 Family	32.9% -1.8pp YoY +0.6pp QoQ	+0.3pp	32.6%	52.8%	31.3%	58%
Consumer	4.3% +2.0pp YoY +2.2pp QoQ	+0.2pp	4.1%	7.9%	5.0%	72%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
CET1 Ratio	18.0% -0.1pp YoY +0.1pp QoQ	-0.9pp	18.8%	17.1%	19.7%	69%
Leverage Ratio	13.6% -0.2pp YoY -0.1pp QoQ	+1.4pp	12.2%	11.6%	12.6%	80%
Total Capital Ratio	19.2% -0.1pp YoY +0.1pp QoQ	-0.7pp	19.9%	18.1%	20.8%	70%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
Full-Time Employees	41 +2 (+5.1%) YoY +1 (+2.5%) QoQ	-18	58	161	482	42%
Assets per Employee ($)	$3.7M +2.9% YoY 0.0% QoQ	-$3.8M	$7.5M	$6.1M	$8.8M	3%
Branch Count	5 +2 (+66.7%) YoY +1 (+25.0%) QoQ	0	4	13	18	55%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
Past Due 90+ Days	0.3% +0.1pp YoY +0.3pp QoQ	0.0pp	0.3%	0.1%	0.4%	75%
Nonaccrual	2.2% +0.6pp YoY +0.2pp QoQ	+1.3pp	0.9%	0.7%	1.0%	89%
Allowance Coverage	0.67x -27.0% YoY -18.0% QoQ	-23.48x	24.15x	6.60x	20.23x	17%
Net Charge-off Rate (YTD)	0.1% +0.1pp YoY -0.3pp QoQ	-0.1pp	0.1%	0.1%	0.2%	73%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
ROE	2.0% -3.8pp YoY -0.2pp QoQ	-10.2pp	12.2%	10.6%	11.6%	6%
Cost of Funds (YTD)	2.1% +0.1pp YoY 0.0pp QoQ	+0.4pp	1.7%	1.5%	1.7%	76%
Net Income ($, YTD)	$200,000 -63.6% YoY — QoQ	-$2.4M	$2.6M	$9.0M	$40.4M	5%

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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 (3)

Efficiency Drag

risk

#20 of 361 • Bottom 5.3% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 90.35%

(Tier: 64.48%, National: 70.05%)

worse than tier avg

361 of 361 Community banks match · 426 nationally

↓ Shrinking -64 banks QoQ | QoQ rank improving

Liquidity Strain

risk

#38 of 691 • Bottom 5.3% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 91.14%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank improving

Liquidity Overhang

risk

#230 of 742 • Bottom 30.9% 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: 17.97%

(Tier: 15.91%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 91.14%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

742 of 742 Community banks match · 940 nationally

→ Stable +7 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 (1 metrics)

508

Tier 1 Capital Ratio

capital

Value: 17.97%

Peer Median: 15.91%

#508 of 2643 Top 19.2% in $100M-$1B

Top Weaknesses (8 metrics)

2497

Efficiency Ratio

profitability

Value: 90.35%

Peer Median: 64.48%

#2497 of 2643 Bottom 5.6% in $100M-$1B

2464

Return on Assets

profitability

Value: 0.27%

Peer Median: 1.32%

#2464 of 2643 Bottom 6.8% in $100M-$1B

2443

Nonperforming Asset Ratio

credit_quality

Value: 1.96%

Peer Median: 0.67%

#2443 of 2643 Bottom 7.6% in $100M-$1B

2406

Delinquency Rate

credit_quality

Value: 2.52%

Peer Median: 0.92%

#2406 of 2633 Bottom 8.7% in $100M-$1B

2270

Total Deposits

size

Value: $126.45M

Peer Median: $326.73M

#2270 of 2643 Bottom 14.2% in $100M-$1B

2254

Total Assets

size

Value: $152.39M

Peer Median: $386.57M

#2254 of 2643 Bottom 14.8% in $100M-$1B

2015

Loan-to-Deposit Ratio

liquidity

Value: 91.14%

Peer Median: 77.95%

#2015 of 2643 Bottom 23.8% in $100M-$1B

2010

Total Loans

size

Value: $115.24M

Peer Median: $258.35M

#2010 of 2643 Bottom 24.0% in $100M-$1B