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Guaranty Bank
Springfield, MO · FDIC Certificate #58892 · Chartered 10/2
Total assets
$2.38B
Total deposits
$1.88B
Total equity
$394.29M
Net loans
$1.81B
Branches (offices)
13
Net income (YTD)
$11.44M
Rank: #519 of 4,213 U.S. banks by assets · #17 of 190 in Missouri. Assets changed 0.7% and deposits 0.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.95% |
| Return on equity | 5.82% |
| Net interest margin (YTD) | 3.05% |
| Equity to assets | 16.54% |
| Tier 1 leverage ratio | 12.34% |
| Uninsured deposits (share of deposits) | 27.7% |
| Noncurrent loans (share of loans) | 0.88% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 96.1% |
| Real estate loans (share of loans) | 87.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.59B | 87.8% | |
| Commercial & industrial | $206.70M | 11.4% | |
| Consumer / individual | $11.38M | 0.6% | |
| Construction & development | $345.68M | 19.1% | |
| Agricultural | $1.93M | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $2.04B | $1.54B | $4.13M | $310.95M |
| Jun 2023 | $2.18B | $1.65B | $10.54M | $338.31M |
| Jun 2024 | $2.37B | $1.79B | $13.27M | $367.63M |
| Jun 2025 | $2.37B | $1.87B | $9.13M | $389.15M |
| Jun 2026 | $2.38B | $1.88B | $11.44M | $394.29M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Missouri | $1.88B | 13 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.88B.
Similar-sized banks
First Western Bank & Trust ($2.39B) · First Community Bank ($2.38B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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