FDIC Cert #15953 · Belzoni, Mississippi · Est. 1943

Guaranty Bank and Trust Company - FDIC Bank Health Profile

A community-scale look at Guaranty Bank and Trust Company's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$2.9B
Total assets
B
Health grade · Good
1.10%
Return on assets
10.2%
Tier 1 capital

Data updated July 2026

The verdict

Guaranty Bank and Trust Company earns a PlainBankData health grade of B (72/100), with well-capitalized at 10.18% Tier 1, profitable at 1.10% ROA, 60% efficiency ratio.

#438
largest of 4,313 FDIC banks by assets
90th
percentile by asset size, nationally
10.18%
Tier 1 ratio - above the 10% well-capitalized line
50th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 15953 · MS B · 72/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-REGIONAL · BOOK-FULL

  • GRADE-B B (72/100)
  • MID-PACK #2863/4307
  • PHOTO-FINISH Bay Port State Bank · MI
  • TIER1-WELL 10.2% Tier 1
  • TEXAS-CLEAN 13.2% Texas
  • ROA-PAR 1.10% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Mississippi: Bay Port State Bank, MI (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Guaranty Bank and Trust Company

Lowest and highest poles plus nearest scored peers outside Mississippi, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bank of Greeleyville · SC · …72/100Bay Port State Bank · MI · n…72/100Guaranty Bank and Tr… · MS ·…72/100North Star Bank · MN · near72/100The Bank of Kaukauna · WI · …72/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Guaranty Bank and Trust Company · July 2026

What Guaranty Bank and Trust Company's Call Report plate shows

Guaranty Bank and Trust Company (FDIC Cert #15953) carries a PlainBankData health grade of B at 72/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,863 of 4,307. Tier 1 capital prints at 10.18%, clearing the 10% well-capitalized line. The Texas Ratio is 13.25%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.10%. Balance-sheet scale is $2.9B, 438th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Bay Port State Bank (MI), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Guaranty Bank and Trust Company

3 FAILURE resolutions in Mississippi since 2000 (2 since 2008)

Guaranty Bank and Trust Company's home state sits in the middle band of post-2000 FAILURE counts (3; 2 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Guaranty Bank and Trust Company remains an active FDIC-insured reporter.

  • HERITAGE BANKING GROUP CARTHAGE, MS 2011 → TRUSTMARK NATIONAL BANK
  • FIRST NATIONAL BANK ROSEDALE, MS 2010 → THE JEFFERSON BANK
  • BANK OF FALKNER FALKNER, MS 2000 → CITIZENS BANK & SAVINGS COM

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Mississippi banks.

How Guaranty Bank and Trust Company's 72/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10072/100
Guaranty Bank and Trust Company's composite health score
Tier 1 Capital Ratio (10.18%) 28/40
Return on Assets (ROA) (1.10%) 20/25
Texas Ratio (13.25%) 16/20
Efficiency Ratio (60.39%) 8/15

72 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$2.9B

Total balance-sheet footings

Total Deposits

$2.6B

Customer-funded liabilities

Net Loans

$2.0B

Outstanding loan book

Net Income

$32M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 8.78% 10.18% 11.58%
Basel III capital ratios - Guaranty Bank and Trust Company

Where Guaranty Bank and Trust Company ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Guaranty Bank and Trust Company's score of 72/100 falls in the highlighted band.

Guaranty Bank and Trust Company: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

72 34th percentile higher than 34% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Guaranty Bank and Trust Company 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Guaranty Bank and Trust Company's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Guaranty Bank and Trust Company's $2.9B falls in the highlighted band.

Safety ratios for Guaranty Bank and Trust Company

Tier 1 capital ratio
Well-capitalized 10%

10.18% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
10.18%
Texas Ratio
13.25%
Equity Capital
$332M

What these ratios mean →

Earnings posture at Guaranty Bank and Trust Company

Return on Assets (ROA)
50th percentile nationally
1.10%
Return on Equity (ROE)
10.13%
Efficiency Ratio
60.39%

What these mean →

Income & expense at Guaranty Bank and Trust Company

$170M
Interest Income
$27M
Non-Interest Income
$83M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Guaranty Bank and Trust Company reports a Texas Ratio of 13.25% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

13.25% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Guaranty Bank and Trust Company on FDIC BankFind →

Top banks in Mississippi by total assets

Largest banks headquartered in Mississippi
  1. 1
    Hancock Whitney Bank $35.5B

    Gulfport, MS · Grade A

  2. 2
    Renasant Bank $26.7B

    Tupelo, MS · Grade B

  3. 3
    Trustmark Bank $18.9B

    Jackson, MS · Grade B

  4. 4
    BankPlus $8.1B

    Belzoni, MS · Grade B

  5. 5
    Community Bank of Mississippi $5.0B

    Flowood, MS · Grade B

Top 5 banks in Mississippi ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($2.9B here), outside Mississippi so the neighborhood is not state containment.

First Federal Savings and Loan Associ… $2.9B · OH National Exchange Bank and Trust $2.9B · WI Industrial and Commercial Bank of Chi… $2.9B · NY The Bank of Tampa $2.9B · FL

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Guaranty Bank and Trust Company (FDIC Cert #15953) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Guaranty Bank and Trust Company Call Report profile · FDIC Failed Bank List · Mississippi FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Mississippi

All Mississippi banks →
BankAssetsGradeROA
Hancock Whitney BankGulfport $35.5B A 1.41%
Renasant BankTupelo $26.7B B 0.89%
Trustmark BankJackson $18.9B B 1.26%
BankPlusBelzoni $8.1B B 1.14%
Community Bank of MississippiFlowood $5.0B B 0.89%
BankFirst Financial ServicesColumbus $3.3B B 1.04%
Planters Bank & Trust CompanyIndianola $2.1B A 0.84%
The Citizens National Bank of MeridianMeridian $1.8B A 1.60%