Guaranty Bank and Trust Company (Belzoni, MS)
Guaranty Bank and Trust Company (Belzoni, MS) reported total assets of $3.1 bn at Q2 2026, up 7.7% on a year earlier. Guaranty Bank and Trust Company (Belzoni, MS) uses the community bank leverage ratio framework, with a leverage ratio of 10.42%, and the uninsured share of Guaranty Bank and Trust Company (Belzoni, MS) was 24.45%. Source: FDIC Call Reports.
Key takeaways
- Since , Guaranty Bank and Trust Company (Belzoni, MS) has taken over 3 institutions; the latest was Oxford University Bank on (FDIC Call Reports).
- On return on equity (ROE), Guaranty Bank and Trust Company (Belzoni, MS) slipped from 266th to 348th among 500 US banks between and (1 = highest; FDIC Call Reports).
- Guaranty Bank and Trust Company (Belzoni, MS) has one of the highest noncurrent loans to total loans readings among banks of $1 bn to $10 bn: 2.01% at , against a median of 0.58% across 339 banks (FDIC Call Reports).
What sets Guaranty Bank and Trust Company (Belzoni, MS) apart
How large is Guaranty Bank and Trust Company (Belzoni, MS)?
The balance sheet of Guaranty Bank and Trust Company (Belzoni, MS) at : assets $3.1 bn, deposits $2.6 bn, net loans $2.2 bn (loans equal to 82.07% of deposits). Securities make up 17.3% of total assets at Guaranty Bank and Trust Company (Belzoni, MS). Since , when Guaranty Bank and Trust Company (Belzoni, MS) held $659.6 mn, its assets grew 365.3%. In the year to , deposits at Guaranty Bank and Trust Company (Belzoni, MS) rose 11.8% while its total assets rose 7.7%. At , Guaranty Bank and Trust Company (Belzoni, MS) employed 486 full-time equivalent staff across 42 offices, about $6.3 mn of assets per employee and $63.1 mn of deposits per office.
How much funding at Guaranty Bank and Trust Company (Belzoni, MS) is uninsured?
At Guaranty Bank and Trust Company (Belzoni, MS), uninsured deposits (above the FDIC limit) made up 24.45% of domestic deposits at (+0.48 pp on a year earlier); Guaranty Bank and Trust Company (Belzoni, MS) ranks 378th of 500 on this measure. In dollars, Guaranty Bank and Trust Company (Belzoni, MS) estimated $647.6 mn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $2.6 bn | +11.8% | 394th of 499 |
| Net loans and leases | $2.2 bn | +9.0% | 415th of 500 |
| Loan-to-deposit ratio | 82.07% | -2.08 pp | 319th of 500 |
| Net interest margin | 4.21% | +0.24 pp | 97th of 500 |
| Return on assets (ROA) | 1.11% | -0.01 pp | 339th of 500 |
| Efficiency ratio | 60.90% | +2.16 pp | 343rd of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $6.5 mn | Narrowed by $4.1 mn | |
| Unrealized gain/loss on available-for-sale securities | Loss of $8.1 mn | Narrowed by $5.8 mn | |
| Noncurrent loans to total loans | 2.01% | +0.15 pp | 457th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.11% | -0.25 pp | 279th of 500 (1 = lowest) |
US rank of Guaranty Bank and Trust Company (Belzoni, MS): 1 = highest unless marked 1 = lowest.
Balance sheet
Guaranty Bank and Trust Company (Belzoni, MS): assets, deposits and loans
- Total assets $3.1bn
- Deposits $2.6bn
- Net loans $2.2bn
Capital and securities
Guaranty Bank and Trust Company (Belzoni, MS) uses the community bank leverage ratio framework, so it reports no risk-based ratios; its leverage ratio was 10.42% in . Equity capital of Guaranty Bank and Trust Company (Belzoni, MS) at : $341.4 mn, or 11.1% of total assets.
On held-to-maturity securities, Guaranty Bank and Trust Company (Belzoni, MS) carried an unrealized loss of $6.5 mn at , equal to 1.9% of equity capital. The loss narrowed by $4.1 mn over the year. Its deepest point: $17.8 mn in . The available-for-sale portfolio of Guaranty Bank and Trust Company (Belzoni, MS) showed an unrealized loss of $8.1 mn at ; the loss narrowed by $5.8 mn over the year.
Guaranty Bank and Trust Company (Belzoni, MS): capital ratios
- Total capital 12%
- CET1 11%
- Tier 1 leverage 10%
Guaranty Bank and Trust Company (Belzoni, MS): unrealized securities gains and losses
- Available for sale -$8mn
- Held to maturity -$7mn
Profitability and loan quality
For the year to , Guaranty Bank and Trust Company (Belzoni, MS) earned a return on equity of 9.91%; return on assets: 1.11%. Net interest margin at Guaranty Bank and Trust Company (Belzoni, MS): 4.21%, +0.24 pp in a year. Guaranty Bank and Trust Company (Belzoni, MS) net income: $16.6 mn, up 3.3% year on year. The efficiency ratio of Guaranty Bank and Trust Company (Belzoni, MS) was 60.90%: about 61 cents cost per revenue dollar, against 70 cents at the median peer.
At , noncurrent loans were 2.01% of total loans at Guaranty Bank and Trust Company (Belzoni, MS); net charge-offs: 0.11% of average loans. Gross loans and leases at Guaranty Bank and Trust Company (Belzoni, MS): $2.2 bn, up 9.1% in a year.
Guaranty Bank and Trust Company (Belzoni, MS): profitability
- Return on equity 9.9%
- Net interest margin 4.2%
- Return on assets 1.1%
Peer group of Guaranty Bank and Trust Company (Belzoni, MS)
The peer group of Guaranty Bank and Trust Company (Belzoni, MS) is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 2 share the charter type of Guaranty Bank and Trust Company (Belzoni, MS) (state nonmember bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Mississippi. Against them, Guaranty Bank and Trust Company (Belzoni, MS) shows return on equity 9.91% against a peer median of 9.93% and uninsured deposit share 24.45% against a peer median of 30.60%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Penn Community Bank | State-chartered stock savings bank | PA | $3.1 bn | 16.17% | 5.31% | 32.62% | |
| CB&S Bank, Inc. | State nonmember bank | AL | $3.1 bn | not reported | 12.21% | 31.10% | |
| Midwest BankCentre | State member bank | MO | $3.1 bn | 13.54% | 10.84% | 26.11% | |
| Guaranty Bank and Trust Company | State nonmember bank | MS | $3.1 bn | not reported | 9.91% | 24.45% | |
| BankNewport | State member bank | RI | $3.1 bn | 12.70% | 6.18% | 30.10% | |
| Lawrence Bank | State nonmember bank | TN | $3.0 bn | 12.86% | 9.01% | 25.92% | |
| The National Bank of Indianapolis | National bank | IN | $3.0 bn | 11.42% | 18.16% | 60.27% | |
. FDIC Call Reports.
Last eight quarters
Two years at Guaranty Bank and Trust Company (Belzoni, MS), to : assets +6.8%, deposits +17.0%, equity +13.6%. Staff 456 to 486; offices 43 to 42.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $2.9 bn | $2.9 bn | $2.9 bn | $2.8 bn | $3.0 bn | $2.9 bn | $3.0 bn | $3.1 bn |
| Total deposits | $2.3 bn | $2.3 bn | $2.4 bn | $2.4 bn | $2.4 bn | $2.6 bn | $2.7 bn | $2.6 bn |
| Bank equity capital | $300.5 mn | $297.2 mn | $308.9 mn | $315.7 mn | $324.3 mn | $331.9 mn | $333.5 mn | $341.4 mn |
| Return on equity (ROE) | 8.21% | 8.60% | 10.31% | 10.48% | 10.28% | 10.13% | 8.12% | 9.91% |
| Uninsured share of domestic deposits | 25.72% | 24.53% | 24.36% | 23.97% | 25.00% | 26.09% | 23.54% | 24.45% |
| Full-time equivalent employees | 456 | 478 | 464 | 458 | 458 | 487 | 480 | 486 |
| Number of offices | 43 | 43 | 43 | 43 | 43 | 43 | 43 | 42 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of Guaranty Bank and Trust Company (Belzoni, MS), oldest first; figures before and after each event are not like for like.
- . Absorbed First Alliance Bank (FDIC certificate 35245).
- . Absorbed First American National Bank (FDIC certificate 19226).
- . Absorbed Oxford University Bank (FDIC certificate 57034).
Questions and identifiers
What were the total assets of Guaranty Bank and Trust Company (Belzoni, MS)?
Guaranty Bank and Trust Company (Belzoni, MS) reported $3.1 bn at in its Call Report. That makes Guaranty Bank and Trust Company (Belzoni, MS) the 412th largest of 497 banks in our US coverage.
Is Guaranty Bank and Trust Company (Belzoni, MS) the same as its holding company?
No. This page covers Guaranty Bank and Trust Company (Belzoni, MS), FDIC certificate 15953; GUARANTY CAPITAL CORP (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Guaranty Bank and Trust Company (Belzoni, MS) profitable?
Guaranty Bank and Trust Company (Belzoni, MS) reported net income of $16.6 mn for the year to ; annualized return on equity: 9.91%. So yes: Guaranty Bank and Trust Company (Belzoni, MS) made a profit over these months.
When is data for Guaranty Bank and Trust Company (Belzoni, MS) next updated?
Figures from Guaranty Bank and Trust Company (Belzoni, MS) for are due after .
Where can I check the figures for Guaranty Bank and Trust Company (Belzoni, MS)?
In the FDIC BankFind Suite record for certificate 15953, and in the Call Reports of Guaranty Bank and Trust Company (Belzoni, MS) (RSSD ID 84541) at the FFIEC Central Data Repository.