BlastPoint's Banking Scorecard

Guaranty Bank

$1B-$10B Specialty: Commercial MO FDIC cert 58892

Designations: ✓ Community bank ✓ CDFI-certified

Springfield, MO

13 branches across MO

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 885 banks in the $1B-$10B peer group nationwide — 1 of 30 in MO.
Deposits +0.6% year over year ($1.9B on the books).
Delinquency rate 0.90%.
Return on assets 0.95%.
Efficiency ratio 58.58% vs a 59.73% peer average.
Loan-to-deposit ratio 96.10% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 30 in MO

View $1B-$10B leaderboard (MO) →

Guaranty Bank has 1 strength but faces 4 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

+ Efficiency Ratio 1.14% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 11.6% in tier
- Flatlined Growth: Bottom 34.6% in tier
- ROA 0.44% below tier average
- Net Interest Margin 0.82% below tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$2.4B +0.7% YoY -1.6% QoQ	-$409.7M	$2.8B -0.6% YoY	$1.6B +6.4% YoY	$6.3B +7.7% YoY	60%
Total Loans ?	$1.8B -0.2% YoY -3.7% QoQ	-$157.0M	$2.0B -0.3% YoY	$1.0B +10.0% YoY	$3.2B +9.4% YoY	62%
Total Deposits ?	$1.9B +0.6% YoY +5.8% QoQ	-$439.4M	$2.3B -0.5% YoY	$1.3B +6.1% YoY	$4.9B +7.3% YoY	56%
Return on Assets ?	0.95% +22.1% YoY -22.6% QoQ	-0.44%	1.39% +17.0% YoY	1.46% +5.9% YoY	1.30% +12.1% YoY	26%
Net Interest Margin ?	3.05% +11.8% YoY -1.6% QoQ	-0.82%	3.87% +6.2% YoY	4.55% +0.7% YoY	3.95% +4.9% YoY	16%
Efficiency Ratio ?	58.58% -12.1% YoY -0.0% QoQ	-1.14%	59.73% -12.6% YoY	59.57% -3.2% YoY	70.05% +2.5% YoY	52%
Delinquency Rate ?	0.90% +27.3% YoY +6.1% QoQ	+0.03%	0.87% +11.7% YoY	0.82% +12.6% YoY	0.98% +16.3% YoY	31%
Loan-to-Deposit Ratio ?	96.10% -0.8% YoY -9.0% QoQ	+11.07%	85.04% -0.1% YoY	80.82% +1.6% YoY	79.03% +2.3% YoY	23%
Non-Interest-Bearing Deposit Share ?	16.36% +19.4% YoY +7.1% QoQ	-4.91%	21.27% -1.5% YoY	20.71% -0.5% YoY	21.98% -0.6% YoY	32%
Nonperforming Asset Ratio ?	0.69% +28.9% YoY +2.6% QoQ	+0.02%	0.67% +11.7% YoY	0.67% +14.9% YoY	0.69% +15.8% YoY	33%
Tier 1 Capital Ratio ?	13.19% -2.3% YoY +1.2% QoQ	-1.65%	14.84% -0.4% YoY	15.38% -1.1% YoY	17.09% +0.8% YoY	52%
Non-Interest Income / Assets ?	0.31% +25.8% YoY +101.1% QoQ	-0.22%	0.53% +2.5% YoY	0.58% +5.8% YoY	0.66% +5.2% YoY	54%

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 (MO)	National Avg	Tier Percentile
Noninterest-Bearing	16.4% +2.7pp YoY +1.1pp QoQ	-5.0pp	21.4%	20.9%	22.2%	32%
Brokered Deposits	17.4% -7.5pp YoY -4.4pp QoQ	+7.9pp	9.5%	7.4%	8.5%	86%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
C&I	11.4% -2.2pp YoY -1.6pp QoQ	-2.6pp	14.0%	12.3%	12.5%	51%
CRE	74.9% +3.4pp YoY +0.7pp QoQ	+24.9pp	50.0%	36.8%	41.4%	93%
1-4 Family	11.4% +0.5pp YoY +0.8pp QoQ	-15.0pp	26.4%	31.9%	31.3%	21%
Consumer	0.6% -0.4pp YoY -0.1pp QoQ	-4.1pp	4.7%	4.1%	5.0%	35%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
CET1 Ratio	13.2% -0.3pp YoY +0.2pp QoQ	-2.4pp	15.6%	18.5%	19.7%	44%
Leverage Ratio	12.3% -0.3pp YoY -0.1pp QoQ	+1.0pp	11.3%	11.6%	12.6%	79%
Total Capital Ratio	14.4% -0.3pp YoY +0.3pp QoQ	-2.3pp	16.7%	19.6%	20.8%	46%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Full-Time Employees	193 -8 (-4.0%) YoY +1 (+0.5%) QoQ	-121	313	162	482	39%
Assets per Employee ($)	$12.3M +4.9% YoY -2.2% QoQ	+$1.9M	$10.5M	$8.0M	$8.8M	80%
Branch Count	13 -1 (-7.1%) YoY -1 (-7.1%) QoQ	-7	20	10	18	42%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.3%	0.4%	n/a
Nonaccrual	0.9% +0.2pp YoY +0.1pp QoQ	+0.1pp	0.8%	0.8%	1.0%	70%
Allowance Coverage	1.73x -6.8% YoY +17.0% QoQ	-16.98x	18.71x	10.47x	20.23x	43%
Net Charge-off Rate (YTD)	0.0% -0.1pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.3%	0.2%	22%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
ROE	5.8% +1.1pp YoY -1.7pp QoQ	-6.8pp	12.6%	14.3%	11.6%	11%
Cost of Funds (YTD)	2.6% -0.4pp YoY 0.0pp QoQ	+0.7pp	1.9%	1.8%	1.7%	88%
Net Income ($, YTD)	$11.4M +25.2% YoY — QoQ	-$7.8M	$19.2M	$11.3M	$40.4M	46%

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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 (2)

Liquidity Strain

risk

#43 of 361 • Bottom 11.6% 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: 96.10%

(Tier: 85.04%, National: 79.03%)

worse than tier avg

361 of 361 Mid-Market banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank improving

Flatlined Growth

risk

#57 of 162 • Bottom 34.6% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.95%

(Tier: 1.39%, National: 1.30%)

worse than tier avg

162 of 162 Mid-Market banks match · 719 nationally

→ Stable +34 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).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (2 metrics)

741

Net Interest Margin

profitability

Value: 3.05%

Peer Median: 3.87%

#741 of 885 Bottom 16.4% in $1B-$10B

686

Loan-to-Deposit Ratio

liquidity

Value: 96.10%

Peer Median: 85.04%

#686 of 885 Bottom 22.6% in $1B-$10B