| Metric | Guaranty Bank Inc. | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.1% | +4.4% | +3.8 pts |
| Deposit growth (YoY) | +7.5% | +4.0% | +3.5 pts |
| Loan growth (YoY) | -0.7% | +5.6% | -6.2 pts |
| ROA | 0.27% | 1.24% | -1.0 pts |
| ROE | 2.0% | 11.9% | -9.9 pts |
ROA ranks in the 7th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $152.4M | $126.4M | $115.2M | $20.2M | $200K | 0.27% | 4.30% | 1.96% |
| Q1 2026 | $148.7M | $125.0M | $116.8M | $20.2M | $110K | 0.30% | 4.28% | 1.61% |
| Q4 2025 | $147.4M | $123.5M | $119.1M | $20.2M | $1.1M | 0.74% | 4.62% | 1.18% |
| Q3 2025 | $142.5M | $118.8M | $116.5M | $20.0M | $859K | 0.81% | 4.64% | 1.41% |
| Q2 2025 | $140.9M | $117.7M | $116.0M | $19.5M | $549K | 0.77% | 4.47% | 1.49% |
| Q1 2025 | $143.9M | $120.4M | $115.0M | $19.4M | $240K | 0.67% | 4.41% | 1.08% |
| Q4 2024 | $141.8M | $118.6M | $116.1M | $18.7M | $1.5M | 1.09% | 4.50% | 1.22% |
| Q3 2024 | $142.0M | $118.4M | $118.3M | $18.8M | $1.1M | 1.05% | 4.50% | 1.11% |
Loan mix (Q2 2026): real estate $102.5M · commercial $9.7M · consumer $4.9M · securities $19.8M
| Ratio | Guaranty Bank Inc. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.27% | 1.24% | 7th | |
Return on equity Annualized net income ÷ equity or net worth | 2.0% | 11.9% | 6th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.30% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.4% | 62.9% | 94th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Guaranty Bank Inc. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Guaranty Bank Inc. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Guaranty Bank Inc. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Guaranty Bank Inc. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Guaranty Bank Inc. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
5 branches in 3 counties across 1 state (+2 vs 2025) · $126.4M branch deposits. Biggest market: Mingo, WV, ranked 2nd with 25.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Mingo, WV | 3 | $116.9M | 25.95% | 2nd |
| Wayne, WV | 1 | $7.8M | 1.93% | 8th |
| Kanawha, WV | 1 | $1.8M | 0.02% | 29th |
West Virginia: 57th with 0.24% · Huntington-Ashland metro: 42nd, 0.08% · Charleston metro: 30th, 0.02% ·
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 5
Spends 1.9× the peer median on technology. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).