FDIC Cert #19638 · Delhi, Louisiana · Est. 1966

Guaranty Bank & Trust Company of Delhi, Louisiana - FDIC Bank Health Profile

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

Compiled from official public sources by the publisher.
$467M
Total assets
A
Health grade · Excellent
1.63%
Return on assets
14.3%
Tier 1 capital

Data updated July 2026

The verdict

Guaranty Bank & Trust Company of Delhi, Louisiana earns a PlainBankData health grade of A (82/100), with well-capitalized at 14.25% Tier 1, profitable at 1.63% ROA, efficient (57% cost ratio).

#1,891
largest of 4,313 FDIC banks by assets
56th
percentile by asset size, nationally
14.25%
Tier 1 ratio - above the 10% well-capitalized line
80th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 19638 · LA A · 82/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-HEALTHY · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-A A (82/100)
  • MID-PACK #1770/4307
  • PHOTO-FINISH Academy Bank, Nation… · MO
  • TIER1-WELL 14.3% Tier 1
  • TEXAS-HEALTHY 28.4% Texas
  • ROA-STRONG 1.63% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Louisiana: Academy Bank, National Association, MO (±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 & Trust Company of Delh…

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

Morgan Stanley Bank,… · UT ·…100/100Academy Bank, Nation… · MO ·…82/100Guaranty Bank & Trus… · LA ·…82/100Midland Community Bank · IL …82/100Pioneer Bank, Nation… · NY ·…82/100TD Bank, National As… · DE ·…82/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Guaranty Bank & Trust Company of Delh… · July 2026

What Guaranty Bank & Trust Company of Delh…'s Call Report plate shows

Guaranty Bank & Trust Company of Delhi, Louisiana (FDIC Cert #19638) carries a PlainBankData health grade of A at 82/100, 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 #1,770 of 4,307. Tier 1 capital prints at 14.25%, clearing the 10% well-capitalized line. The Texas Ratio is 28.36%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.63%. Balance-sheet scale is $467M, 1,891st of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Academy Bank, National Association (MO), 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 & Trust Company of Delh…

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

Guaranty Bank & Trust Company of Delhi, Louisiana'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 & Trust Company of Delhi, Louisiana 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 & Trust Company of Delhi, Louisiana's 82/100 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 avg77/10082/100
Guaranty Bank & Trust Company of Delhi, Louisiana's composite health score
Tier 1 Capital Ratio (14.25%) 35/40
Return on Assets (ROA) (1.63%) 25/25
Texas Ratio (28.36%) 10/20
Efficiency Ratio (57.48%) 12/15

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

Balance sheet at a glance

Total Assets

$467M

Total balance-sheet footings

Total Deposits

$403M

Customer-funded liabilities

Net Loans

$332M

Outstanding loan book

Net Income

$7M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 12.85% 14.25% 15.65%
Basel III capital ratios - Guaranty Bank & Trust Company of Delhi, Louisiana

Where Guaranty Bank & Trust Company of Delhi, Louisiana ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Guaranty Bank & Trust Company of Delhi, Louisiana's score of 82/100 falls in the highlighted band.

Guaranty Bank & Trust Company of Delhi, Louisiana: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

82 Top 41% higher than 59% 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%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. Guaranty Bank & Trust Company of Delh… 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 & Trust Company of Delhi, Louisiana'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 & Trust Company of Delhi, Louisiana's $467M falls in the highlighted band.

Safety ratios for Guaranty Bank & Trust Company of Delh…

Tier 1 capital ratio
Well-capitalized 10%

14.25% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
14.25%
Texas Ratio
28.36%
Equity Capital
$37M

What these ratios mean →

Earnings posture at Guaranty Bank & Trust Company of Delh…

Return on Assets (ROA)
80th percentile nationally
1.63%
Return on Equity (ROE)
19.81%
Efficiency Ratio
57.48%

What these mean →

Income & expense at Guaranty Bank & Trust Company of Delh…

$29M
Interest Income
$2M
Non-Interest Income
$11M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Guaranty Bank & Trust Company of Delhi, Louisiana reports a Texas Ratio of 28.36% - within the generally healthy range below the 50% level analysts watch.

Texas Ratio
Caution 50%

28.36% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Guaranty Bank & Trust Company of Delhi, Louisiana 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 ($467M here), outside Louisiana so the neighborhood is not state containment.

Iowa State Bank $467M · IA Ameristate Bank $467M · OK F & C Bank $467M · MO Maverick Bank $468M · TX

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Guaranty Bank & Trust Company of Delhi, Louisiana (FDIC Cert #19638) - 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 & Trust Company of Delhi, Louisiana 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%