FDIC Cert #17767 · New Roads, Louisiana · Est. 1957

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.
$307M
Total assets
B
Health grade · Good
1.15%
Return on assets
20.7%
Tier 1 capital

Data updated July 2026

The verdict

Guaranty Bank and Trust Company earns a PlainBankData health grade of B (78/100), with well-capitalized at 20.68% Tier 1, profitable at 1.15% ROA, 67% efficiency ratio.

#2,454
largest of 4,313 FDIC banks by assets
43rd
percentile by asset size, nationally
20.68%
Tier 1 ratio - above the 10% well-capitalized line
53rd
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 17767 · LA B · 78/100

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

  • GRADE-B B (78/100)
  • MID-PACK #2217/4307
  • PHOTO-FINISH First State Bank · FL
  • TIER1-WELL 20.7% Tier 1
  • TEXAS-HEALTHY 17.5% Texas
  • ROA-PAR 1.15% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Louisiana: First State Bank, FL (±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 Louisiana, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100First State Bank · FL · near78/100First State Bank of… · TX · …78/100Guaranty Bank and Tr… · LA ·…78/100Hawaii National Bank · HI · …78/100The Farmers State Ba… · KS ·…78/100Tioga-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 #17767) carries a PlainBankData health grade of B at 78/100, 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 #2,217 of 4,307. Tier 1 capital prints at 20.68%, clearing the 10% well-capitalized line. The Texas Ratio is 17.52%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.15%. Balance-sheet scale is $307M, 2,454th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is First State Bank (FL), 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

4 FAILURE resolutions in Louisiana since 2000 (3 since 2008)

Guaranty Bank and Trust Company's home state sits in the middle band of post-2000 FAILURE counts (4; 3 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.

  • FIRST NBC BANK NEW ORLEANS, LA 2017 → WHITNEY BANK
  • CENTRAL PROGRESSIVE BANK LACOMBE, LA 2011 → FIRST NBC BANK
  • STATEWIDE BANK COVINGTON, LA 2010 → HOME BANK

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

How Guaranty Bank and Trust Company's 78/100 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 avg77/10078/100
Guaranty Bank and Trust Company's composite health score
Tier 1 Capital Ratio (20.68%) 40/40
Return on Assets (ROA) (1.15%) 20/25
Texas Ratio (17.52%) 10/20
Efficiency Ratio (66.66%) 8/15

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

Balance sheet at a glance

Total Assets

$307M

Total balance-sheet footings

Total Deposits

$264M

Customer-funded liabilities

Net Loans

$220M

Outstanding loan book

Net Income

$4M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 5% 10% 15% 20% 25% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 19.28% 20.68% 22.08%
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 78/100 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

78 49th percentile higher than 49% 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 $307M falls in the highlighted band.

Safety ratios for Guaranty Bank and Trust Company

Tier 1 capital ratio
Well-capitalized 10%

20.68% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
20.68%
Texas Ratio
17.52%
Equity Capital
$42M

What these ratios mean →

Earnings posture at Guaranty Bank and Trust Company

Return on Assets (ROA)
53rd percentile nationally
1.15%
Return on Equity (ROE)
8.86%
Efficiency Ratio
66.66%

What these mean →

Income & expense at Guaranty Bank and Trust Company

$18M
Interest Income
$399K
Non-Interest Income
$10M
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 17.52% - within the generally healthy range below the 50% level analysts watch.

Texas Ratio
Caution 50%

17.52% - 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 Louisiana by total assets

Largest banks headquartered in Louisiana
  1. 1
    Origin Bank $9.6B

    Choudrant, LA · Grade B

  2. 2
    b1BANK $8.2B

    Baton Rouge, LA · Grade A

  3. 3
    First Guaranty Bank $4.1B

    Hammond, LA · Grade C

  4. 4
    Gulf Coast Bank and Trust Company $3.6B

    New Orleans, LA · Grade B

  5. 5
    Home Bank $3.5B

    Lafayette, LA · Grade A

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

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($307M here), outside Louisiana so the neighborhood is not state containment.

VIKING BANK $307M · MN 1NB Bank $307M · IL Pinnacle Bank $307M · IA Castroville State Bank $306M · TX

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Guaranty Bank and Trust Company (FDIC Cert #17767) - 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 · Louisiana FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Louisiana

All Louisiana banks →
BankAssetsGradeROA
Origin BankChoudrant $9.6B B 0.76%
b1BANKBaton Rouge $8.2B A 1.23%
First Guaranty BankHammond $4.1B C -1.33%
Gulf Coast Bank and Trust CompanyNew Orleans $3.6B B 1.15%
Home Bank, National AssociationLafayette $3.5B A 1.41%
Red River BankAlexandria $3.3B A 1.36%
Investar Bank, National AssociationBaton Rouge $2.8B B 0.89%
Bonvenu Bank, National AssociationBossier City $1.6B B 0.54%