Total Assets
$147M
Total balance-sheet footings
2026 data FDIC sourced Public-data reference.
Guaranty Bank Inc. — FDIC Bank Health Profile
Williamson, West Virginia · Est. 1976. Free, sourced from the FDIC BankFind Suite — refreshed each quarter and cross-checked against the FDIC Call Report.
State chartered State member bank FDIC Cert #22273 Atlanta Region
C
Health grade
Fair
Score: 58/100
Basel III capital ratios — Guaranty Bank Inc.
Total Deposits
$123M
Customer-funded liabilities
Net Loans
$119M
Outstanding loan book
Net Income
$1M
Bottom-line earnings
Safety Metrics
Tier 1 capital ratio
Well-capitalized 10%
17.62% of risk-weighted assets — above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
Core capital ÷ risk-weighted assets. Well-capitalized: ≥10%
17.62%
Texas Ratio
Non-performing loans ÷ equity. Danger zone: >100%
—
Equity Capital
Tangible book value as a capital buffer
$20M
Profitability Metrics
Return on Assets (ROA)
Net income ÷ assets. Healthy: ≥1%
0.74%
Return on Equity (ROE)
Net income ÷ equity. Industry avg: ~10%
5.46%
Efficiency Ratio
Operating costs ÷ revenue. Efficient: <60%
76.86%
Income & Expense Breakdown
$9M
Interest Income
$541K
Non-Interest Income
$5M
Non-Interest Expense
FDIC Deposit Insurance
Guaranty Bank Inc. is FDIC-insured (Certificate #22273). Your deposits are protected up to $250,000 per depositor, per account category regardless of this bank's health grade.
What the Numbers Say About Guaranty Bank Inc.
Guaranty Bank Inc. is an FDIC-insured institution (Certificate #22273) headquartered in Williamson, West Virginia, established in 1976. The bank currently holds $147M in total assets and $123M in customer deposits, with $119M deployed as loans. It operates as a State chartered (State member bank) within the FDIC Atlanta region. These figures come directly from the bank's quarterly FDIC Call Report and reflect the balance sheet as of the latest regulatory filing.
On safety metrics, Guaranty Bank Inc. reports a Tier 1 Capital Ratio of 17.62% — above the 10% federal threshold for "well-capitalized" status and a Texas Ratio of —. Equity capital stands at $20M, serving as the tangible buffer against loan losses. On profitability, the bank posted a Return on Assets of 0.74% and a Return on Equity of 5.46%, with an Efficiency Ratio of 76.86% — above the 60% benchmark, meaning a larger share of revenue is consumed by operating costs. The combined picture yields a PlainBankData health grade of C (58/100), a composite score that blends all four dimensions.
Not financial advice. This page summarizes public FDIC Call Report data for informational purposes only. Health grades are our interpretation of regulatory filings and are not official FDIC ratings, endorsements, or predictions. Regardless of grade, every dollar on deposit at Guaranty Bank Inc. is protected by FDIC insurance up to $250,000 per depositor, per ownership category — even if the bank were to fail. For decisions about where to hold deposits, consult a qualified financial professional and verify the latest figures directly at the FDIC's BankFind Suite.
Top 5 banks in West Virginia by total assets
Source: FDIC BankFind Suite — Call Report (FFIEC 031/041) + CRA performance data Guaranty Bank Inc. (FDIC Cert #22273) — Tier 1 capital ratio, total assets, deposits, CRA rating · 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.
Other Banks in West Virginia
All West Virginia banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| WesBanco Bank, Inc. Wheeling | $27.6B | C | 0.97% |
| City National Bank of West Virginia Charleston | $6.7B | B | 2.01% |
| MVB Bank, Inc Fairmont | $3.3B | F | 1.46% |
| Clear Mountain Bank Bruceton Mills | $985M | F | 1.28% |
| Potomac Bank Charles Town | $943M | C | 1.04% |
| Pendleton Community Bank, Inc. Franklin | $814M | C | 1.01% |
| CNB Bank, Inc. Berkeley Springs | $786M | C | 0.78% |
| Citizens Bank of West Virginia, Inc. Elkins | $705M | B | 1.59% |
Frequently Asked Questions
What is Guaranty Bank Inc.'s health grade? ▼
Guaranty Bank Inc. receives a health grade of C (58/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Guaranty Bank Inc.? ▼
Guaranty Bank Inc. holds $147M in total assets and $123M in deposits. It is headquartered in Williamson, West Virginia.
Is my money safe at Guaranty Bank Inc.? ▼
Yes. Guaranty Bank Inc. is FDIC-insured (Certificate #22273). Your deposits are protected up to $250,000 per depositor, per account category, regardless of the bank's health grade. If a bank fails, the FDIC typically makes insured deposits available within one business day.
What is Guaranty Bank Inc.'s Tier 1 Capital Ratio? ▼
Guaranty Bank Inc. has a Tier 1 Capital Ratio of 17.62%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
How efficient is Guaranty Bank Inc.? ▼
Guaranty Bank Inc. has an Efficiency Ratio of 76.86%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
Bank Safety Guides
Related Data Sources
Data from the FDIC BankFind Suite API. Financial data as of Q4 2025.
Related
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainBankData Editorial
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the FDIC BankFind Suite. Consult a qualified professional before making decisions based on this data.
Read our methodology — how this data is sourced, computed, and verified.