Guaranty Bank & Trust (merged into Glacier Bank)
Guaranty Bank & Trust reported total assets of $3.1 bn at Q3 2025, its last Call Report before it merged into Glacier Bank. The CET1 capital ratio at Guaranty Bank & Trust was 14.82%, and the uninsured share of Guaranty Bank & Trust was 33.12%. Source: FDIC Call Reports.
Key takeaways
- Since , Guaranty Bank & Trust has taken over one institution; the latest was Westbound Bank on (FDIC Call Reports).
What sets Guaranty Bank & Trust apart
How large is Guaranty Bank & Trust?
The balance sheet of Guaranty Bank & Trust at : assets $3.1 bn, deposits $2.7 bn, net loans $2.1 bn (loans equal to 78.22% of deposits). Securities make up 20.0% of total assets at Guaranty Bank & Trust. Since , when Guaranty Bank & Trust held $1.8 bn, its assets grew 73.4%. In the year to , deposits at Guaranty Bank & Trust rose 1.4% while its total assets rose 0.5%. At , Guaranty Bank & Trust employed 466 full-time equivalent staff across 34 offices, about $6.7 mn of assets per employee and $79.8 mn of deposits per office.
How much funding at Guaranty Bank & Trust is uninsured?
At Guaranty Bank & Trust, uninsured deposits (above the FDIC limit) made up 33.12% of domestic deposits at (+0.73 pp on a year earlier). In dollars, Guaranty Bank & Trust estimated $898.9 mn of uninsured deposits.
Key facts, Q3 2025
| Metric | Value | A year earlier | US rank |
|---|---|---|---|
| Total deposits | $2.7 bn | $2.7 bn (Q3 2024) | |
| Net loans and leases | $2.1 bn | $2.1 bn (Q3 2024) | |
| Loan-to-deposit ratio | 78.22% | 78.80% (Q3 2024) | |
| Tier 1 leverage ratio | 10.56% | 11.24% (Q3 2024) | |
| Total risk-based capital ratio | 16.06% | 16.41% (Q3 2024) | |
| Net interest margin | 3.89% | 3.41% (Q3 2024) | |
| Return on assets (ROA) | 0.98% | 1.01% (Q3 2024) | |
| Efficiency ratio | 71.19% | 68.50% (Q3 2024) | |
| Unrealized gain/loss on held-to-maturity securities | Loss of $20.9 mn | Narrowed by $1.7 mn | |
| Unrealized gain/loss on available-for-sale securities | Loss of $8.3 mn | Narrowed by $2.3 mn | |
| Noncurrent loans to total loans | 0.75% | 0.24% (Q3 2024) | |
| Net charge-offs to average loans | 0.03% | 0.03% (Q3 2024) |
US rank of Guaranty Bank & Trust: 1 = highest unless marked 1 = lowest.
Balance sheet
Guaranty Bank & Trust: assets, deposits and loans
- Total assets $3.1bn
- Deposits $2.7bn
- Net loans $2.1bn
Capital and securities
The CET1 ratio of Guaranty Bank & Trust stood at 14.82% in , -0.34 pp year on year. Low and high at Guaranty Bank & Trust since : 11.18% () to 15.79% (). Equity capital of Guaranty Bank & Trust at : $345.4 mn, or 11.1% of total assets. Guaranty Bank & Trust also reported a total capital ratio of 16.06% for , and a tier 1 leverage ratio of 10.56%.
On held-to-maturity securities, Guaranty Bank & Trust carried an unrealized loss of $20.9 mn at , equal to 6.0% of equity capital. The loss narrowed by $1.7 mn over the year. Its deepest point: $40.6 mn in . The available-for-sale portfolio of Guaranty Bank & Trust showed an unrealized loss of $8.3 mn at ; the loss narrowed by $2.3 mn over the year.
Guaranty Bank & Trust: capital ratios
- Total capital 16%
- CET1 15%
- Tier 1 leverage 11%
Guaranty Bank & Trust: unrealized securities gains and losses
- Available for sale -$8mn
- Held to maturity -$21mn
Profitability and loan quality
For the year to , Guaranty Bank & Trust earned a return on equity of 8.58%; return on assets: 0.98%. Net interest margin at Guaranty Bank & Trust: 3.89%, +0.48 pp in a year. Guaranty Bank & Trust net income: $22.9 mn, down 2.9% year on year. The efficiency ratio of Guaranty Bank & Trust was 71.19%: about 71 cents cost per revenue dollar, against 58 cents at the median peer.
At , noncurrent loans were 0.75% of total loans at Guaranty Bank & Trust; net charge-offs: 0.03% of average loans. Gross loans and leases at Guaranty Bank & Trust: $2.2 bn at , against $2.1 bn at .
Guaranty Bank & Trust: profitability
- Return on equity 8.6%
- Net interest margin 3.9%
- Return on assets 1.0%
Peer group of Guaranty Bank & Trust
The peer group of Guaranty Bank & Trust is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 1 shares the charter type of Guaranty Bank & Trust (national bank) and 0 have head offices in Texas. Against them, Guaranty Bank & Trust shows CET1 ratio 14.82% against a peer median of 13.48%, return on equity 8.58% against a peer median of 13.51% and uninsured deposit share 33.12% against a peer median of 36.66%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| STAR Financial Bank | State nonmember bank | IN | $3.1 bn | 13.63% | 9.64% | 45.29% | |
| LINKBANK | State nonmember bank | PA | $3.1 bn | 11.39% | 12.94% | 37.71% | |
| Libertyville Bank & Trust Company | National bank | IL | $3.1 bn | 11.01% | 19.07% | 29.33% | |
| Guaranty Bank & Trust | National bank | TX | $3.1 bn | 14.82% | 8.58% | 33.12% | |
| Bristol County Savings Bank | State nonmember bank | MA | $3.1 bn | 18.21% | 4.18% | 35.61% | |
| The Bank of Missouri | State nonmember bank | MO | $3.1 bn | 13.33% | 19.00% | 27.54% | |
| The Bank of Tampa | State nonmember bank | FL | $3.1 bn | 14.78% | 14.08% | 54.58% | |
. FDIC Call Reports.
Last eight quarters
Two years at Guaranty Bank & Trust, to : assets $3.2 bn to $3.1 bn, deposits $2.6 bn to $2.7 bn, equity $351.4 mn to $345.4 mn. Staff 488 to 466.
| Metric | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $3.2 bn | $3.1 bn | $3.1 bn | $3.1 bn | $3.1 bn | $3.2 bn | $3.1 bn | $3.1 bn |
| Total deposits | $2.6 bn | $2.6 bn | $2.6 bn | $2.7 bn | $2.7 bn | $2.7 bn | $2.7 bn | $2.7 bn |
| Bank equity capital | $351.4 mn | $342.2 mn | $351.6 mn | $356.3 mn | $358.8 mn | $357.9 mn | $362.9 mn | $345.4 mn |
| CET1 ratio | 14.24% | 14.12% | 14.82% | 15.16% | 15.79% | 15.59% | 15.73% | 14.82% |
| Return on equity (ROE) | 9.56% | 8.66% | 8.91% | 8.98% | 9.73% | 10.48% | 11.21% | 8.58% |
| Uninsured share of domestic deposits | 31.69% | 32.20% | 31.68% | 32.39% | 32.65% | 32.53% | 33.06% | 33.12% |
| Full-time equivalent employees | 488 | 475 | 482 | 485 | 485 | 480 | 485 | 466 |
| Number of offices | 34 | 34 | 34 | 34 | 34 | 34 | 34 | 34 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of Guaranty Bank & Trust, oldest first; figures before and after each event are not like for like.
- . Absorbed Westbound Bank (FDIC certificate 58417).
- . Merged into Glacier Bank (FDIC certificate 30788).
Questions and identifiers
What were the total assets of Guaranty Bank & Trust?
Guaranty Bank & Trust reported $3.1 bn at in its Call Report.
Is Guaranty Bank & Trust the same as its holding company?
No. This page covers Guaranty Bank & Trust, FDIC certificate 1208; GUARANTY BANCSHARES INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Guaranty Bank & Trust profitable?
Guaranty Bank & Trust reported net income of $22.9 mn for the year to ; annualized return on equity: 8.58%. So yes: Guaranty Bank & Trust made a profit over these months.
When is data for Guaranty Bank & Trust next updated?
Guaranty Bank & Trust no longer files Call Reports; its data ends at .
Where can I check the figures for Guaranty Bank & Trust?
In the FDIC BankFind Suite record for certificate 1208, and in the Call Reports of Guaranty Bank & Trust (RSSD ID 112163) at the FFIEC Central Data Repository.