Guaranty Bank
Total assets
$2.38B
▲ +0.7% YoY
Deposits
$1.88B
▲ +0.6% YoY
Loans
$1.81B
▼ -0.2% YoY
Offices
13
QCR HOLDINGS INC
ROA (annualized)
0.95%
ROE (annualized)
5.82%
Peer comparison
No peer data.
Profile
- Established
- 2008
- Charter
- State
- Primary regulator
- FED
- Holding company
- QCR HOLDINGS INC
- Specialization
- Commercial Lending Specialization
- Address
- 2144 E Republic Rd, Springfield, MO, 65804
- County
- Greene
- Metro area
- Springfield, MO
- Offices
- 13
- FDIC cert #
- 58892
- RSSD ID
- 3804535
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.38B | $1.88B | $1.81B | $394.3M | $11.4M | 0.95% | 3.05% | 0.69% |
| Q1 2026 | $2.42B | $1.78B | $1.88B | $393.8M | $7.4M | 1.23% | 3.10% | 0.68% |
| Q4 2025 | $2.41B | $1.83B | $1.84B | $392.1M | $23.7M | 1.00% | 2.86% | 0.69% |
| Q3 2025 | $2.45B | $1.84B | $1.87B | $389.6M | $17.0M | 0.96% | 2.78% | 0.79% |
| Q2 2025 | $2.37B | $1.87B | $1.81B | $389.2M | $9.1M | 0.78% | 2.73% | 0.54% |
| Q1 2025 | $2.33B | $1.84B | $1.77B | $385.1M | $4.2M | 0.71% | 2.68% | 0.51% |
| Q4 2024 | $2.34B | $1.82B | $1.79B | $381.6M | $26.1M | 1.12% | 2.77% | 0.52% |
| Q3 2024 | $2.36B | $1.78B | $1.81B | $378.7M | $20.8M | 1.19% | 2.73% | 0.29% |
Loan mix (Q2 2026): real estate $1.59B · commercial $206.7M · consumer $11.4M · securities $288.4M
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | Guaranty Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.95% | 1.26% | 26th | |
Return on equity Annualized net income ÷ equity or net worth | 5.8% | 12.2% | 11th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.05% | 3.70% | 17th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.6% | 59.0% | 48th | |
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% |
Balance sheet
| Ratio | Guaranty Bank | 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% |
Capital
| Ratio | Guaranty Bank | 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% |
Credit quality
| Ratio | Guaranty Bank | 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% |
Franchise
| Ratio | Guaranty Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
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