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Guaranty Bank & Trust Company Of Delhi, Louisiana
Delhi, LA · FDIC Certificate #19638 · Chartered 10/1
Total assets
$457.39M
Total deposits
$411.63M
Total equity
$38.45M
Net loans
$330.91M
Branches (offices)
10
Net income (YTD)
$3.33M
Rank: #1,887 of 4,213 U.S. banks by assets · #45 of 103 in Louisiana. Assets changed 2.3% and deposits 8.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.45% |
| Return on equity | 17.48% |
| Net interest margin (YTD) | 3.95% |
| Equity to assets | 8.41% |
| Tier 1 leverage ratio | 8.50% |
| Uninsured deposits (share of deposits) | 34.3% |
| Noncurrent loans (share of loans) | 1.29% |
| Net charge-offs (share of loans) | 0.49% |
| Loans to deposits | 80.4% |
| Real estate loans (share of loans) | 93.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $310.49M | 93.8% | |
| Commercial & industrial | $13.92M | 4.2% | |
| Consumer / individual | $4.58M | 1.4% | |
| Construction & development | $9.52M | 2.9% | |
| Agricultural | $3.61M | 1.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $344.26M | $301.94M | $3.13M | $30.43M |
| Jun 2023 | $359.51M | $317.43M | $3.41M | $31.50M |
| Jun 2024 | $400.75M | $336.63M | $3.72M | $34.13M |
| Jun 2025 | $447.31M | $381.28M | $3.74M | $36.70M |
| Jun 2026 | $457.39M | $411.63M | $3.33M | $38.45M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Louisiana | $411.63M | 10 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $411.63M.
Similar-sized banks
Shelby Savings Bank, SSB ($457.44M) · Cullman Savings Bank ($456.66M)
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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