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Guaranty Bank And Trust Company
Belzoni, MS · FDIC Certificate #15953 · Chartered 05/1
Total assets
$3.07B
Total deposits
$2.65B
Total equity
$341.43M
Net loans
$2.17B
Branches (offices)
39
Net income (YTD)
$16.63M
Rank: #418 of 4,213 U.S. banks by assets · #7 of 57 in Mississippi. Assets changed 7.7% and deposits 11.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.11% |
| Return on equity | 9.91% |
| Net interest margin (YTD) | 4.21% |
| Equity to assets | 11.12% |
| Tier 1 leverage ratio | 10.42% |
| Uninsured deposits (share of deposits) | 24.5% |
| Noncurrent loans (share of loans) | 2.01% |
| Net charge-offs (share of loans) | 0.11% |
| Loans to deposits | 82.1% |
| Real estate loans (share of loans) | 83.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.81B | 83.2% | |
| Commercial & industrial | $256.94M | 11.8% | |
| Consumer / individual | $42.67M | 2.0% | |
| Construction & development | $279.93M | 12.9% | |
| Agricultural | $51.53M | 2.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.63B | $1.46B | $13.27M | $156.67M |
| Jun 2023 | $2.00B | $1.60B | $9.71M | $187.05M |
| Jun 2024 | $2.60B | $2.06B | $11.22M | $262.06M |
| Jun 2025 | $2.85B | $2.37B | $16.10M | $315.67M |
| Jun 2026 | $3.07B | $2.65B | $16.63M | $341.43M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Mississippi | $2.43B | 36 |
| Tennessee | $220.47M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $2.65B.
Similar-sized banks
Midwest Bankcentre ($3.07B) · Banknewport ($3.07B)
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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