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Guaranty Bank Inc.

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

Williamson, WV

3 branches across WV

2664 banks in the $100M-$1B peer group nationally 33 in WV
View $100M-$1B leaderboard (WV) →

Guaranty Bank Inc. 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 0.35% above tier average

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 8.7% in tier
  • - Liquidity Strain: Bottom 15.5% in tier
  • - Liquidity Overhang: Bottom 26.4% in tier
  • - Credit Risk Growth: Bottom 33.1% in tier
  • - Return on Assets 0.97% below tier average
Get updates when Guaranty Bank Inc. releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (WV) National Avg Tier Percentile
Total Assets ? $148.7M
+3.3% YoY +0.9% QoQ
-$237.3M $386.1M
+0.5% YoY
$1.2B
+2.9% YoY
$6.2B
+9.1% YoY
Bottom 13.9% in tier
Total Loans ? $116.8M
+1.6% YoY -1.9% QoQ
-$138.9M $255.7M
+1.1% YoY
$864.0M
+4.3% YoY
$3.2B
+10.8% YoY
25%
Total Deposits ? $125.0M
+3.7% YoY +1.2% QoQ
-$203.0M $328.0M
+0.1% YoY
$1.0B
+3.7% YoY
$4.8B
+8.2% YoY
Bottom 13.5% in tier
Return on Assets ? 0.30%
-55.8% YoY -60.1% QoQ
-0.97% 1.27%
+12.9% YoY
0.95%
+29.1% YoY
1.23%
+13.4% YoY
Bottom 7.8% in tier
Net Interest Margin ? 4.28%
-3.0% YoY -7.5% QoQ
+0.35% 3.93%
+6.0% YoY
3.79%
+9.5% YoY
3.89%
+5.7% YoY
72%
Efficiency Ratio ? 87.67%
+20.8% YoY +14.1% QoQ
+22.38% 65.29%
-4.5% YoY
70.57%
-7.5% YoY
66.95%
-4.1% YoY
Bottom 8.0% in tier
Delinquency Rate ? 1.98%
+46.7% YoY +42.0% QoQ
+1.09% 0.89%
+18.8% YoY
0.74%
+24.2% YoY
0.95%
+18.8% YoY
Bottom 12.7% in tier
Loan-to-Deposit Ratio ? 93.47%
-2.1% YoY -3.1% QoQ
+16.83% 76.64%
+0.8% YoY
78.35%
+1.2% YoY
76.70%
+0.9% YoY
17%
Non-Interest-Bearing Deposit Share ? 19.26%
-11.6% YoY -1.1% QoQ
-2.76% 22.02%
-1.0% YoY
26.63%
-0.0% YoY
22.01%
-1.2% YoY
41%
Nonperforming Asset Ratio ? 1.61%
+49.2% YoY +36.3% QoQ
+0.97% 0.64%
+19.7% YoY
0.57%
+21.1% YoY
0.67%
+19.3% YoY
Bottom 10.2% in tier
Tier 1 Capital Ratio ? 17.91%
-0.7% YoY +1.6% QoQ
+2.08% 15.83%
+1.5% YoY
14.22%
+0.9% YoY
17.06%
+0.8% YoY
81%
Non-Interest Income / Assets ? 0.08%
-19.0% YoY -78.4% QoQ
-0.20% 0.28%
+9.3% YoY
0.14%
-2.1% YoY
0.32%
+4.1% YoY
38%

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 (4)

Efficiency Drag

risk
#37 of 414 • Bottom 8.7% in tier

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

Why this signature
Efficiency Ratio: 87.67%
(Tier: 65.29%, National: 66.95%)
worse than tier avg
414 of 414 Community banks match · 492 nationally
→ Stable

Liquidity Strain

risk
#101 of 643 • Bottom 15.5% 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: 93.47%
(Tier: 76.64%, National: 76.70%)
worse than tier avg
643 of 643 Community banks match · 1013 nationally
→ Stable -50 banks QoQ | QoQ rank improving

Liquidity Overhang

risk
#196 of 739 • Bottom 26.4% 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: 17.91%
(Tier: 15.83%, National: 17.06%)
better than tier avg
Loan-to-Deposit Ratio: 93.47%
(Tier: 76.64%, National: 76.70%)
worse than tier avg
739 of 739 Community banks match · 939 nationally
→ Stable +13 banks QoQ | QoQ rank declining

Credit Risk Growth

risk
#323 of 973 • Bottom 33.1% in tier

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

973 of 973 Community banks match · 1464 nationally
→ Stable -10 banks QoQ

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 2664 peers in $100M-$1B

Top Strengths (1 metrics)

515
Tier 1 Capital Ratio
capital
Value: 17.91%
Peer Median: 15.83%
#515 of 2664 Top 19.3% in $100M-$1B

Top Weaknesses (8 metrics)

2458
Return on Assets
profitability
Value: 0.30%
Peer Median: 1.27%
#2458 of 2664 Bottom 7.8% in $100M-$1B
2451
Efficiency Ratio
profitability
Value: 87.67%
Peer Median: 65.29%
#2451 of 2664 Bottom 8.0% in $100M-$1B
2393
Nonperforming Asset Ratio
credit_quality
Value: 1.61%
Peer Median: 0.64%
#2393 of 2664 Bottom 10.2% in $100M-$1B
2318
Delinquency Rate
credit_quality
Value: 1.98%
Peer Median: 0.89%
#2318 of 2654 Bottom 12.7% in $100M-$1B
2306
Total Deposits
size
Value: $124.96M
Peer Median: $327.97M
#2306 of 2664 Bottom 13.5% in $100M-$1B
2296
Total Assets
size
Value: $148.73M
Peer Median: $386.08M
#2296 of 2664 Bottom 13.9% in $100M-$1B
2202
Loan-to-Deposit Ratio
liquidity
Value: 93.47%
Peer Median: 76.64%
#2202 of 2664 Bottom 17.4% in $100M-$1B
1999
Total Loans
size
Value: $116.80M
Peer Median: $255.72M
#1999 of 2664 Bottom 25.0% in $100M-$1B
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