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Guaranty Bank And Trust Company
New Roads, LA · FDIC Certificate #17767 · Chartered 06/2
Total assets
$318.55M
Total deposits
$274.75M
Total equity
$43.00M
Net loans
$217.55M
Branches (offices)
7
Net income (YTD)
$2.02M
Rank: #2,378 of 4,213 U.S. banks by assets · #57 of 103 in Louisiana. Assets changed 2.2% and deposits 5.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.28% |
| Return on equity | 9.51% |
| Net interest margin (YTD) | 4.89% |
| Equity to assets | 13.50% |
| Tier 1 leverage ratio | 13.82% |
| Uninsured deposits (share of deposits) | 22.3% |
| Noncurrent loans (share of loans) | 3.99% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 79.2% |
| Real estate loans (share of loans) | 84.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $183.17M | 84.2% | |
| Commercial & industrial | $6.83M | 3.1% | |
| Consumer / individual | $4.83M | 2.2% | |
| Construction & development | $22.41M | 10.3% | |
| Agricultural | $24.75M | 11.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $290.37M | $256.64M | $1.67M | $30.51M |
| Jun 2023 | $287.98M | $236.71M | $1.93M | $33.64M |
| Jun 2024 | $295.79M | $257.53M | $1.64M | $36.74M |
| Jun 2025 | $311.82M | $261.35M | $1.89M | $39.82M |
| Jun 2026 | $318.55M | $274.75M | $2.02M | $43.00M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Louisiana | $274.75M | 7 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $274.75M.
Similar-sized banks
Citizens Bank And Trust Company Of Ardmore ($318.81M) · Pacific Crest Bank ($318.49M)
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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