Guaranty Bank is a state-chartered bank (fed member) headquartered in Springfield, Missouri, in business for about 18 years. At the end of Q2 2026 it reported $2.4B in total assets and $1.9B in deposits, with 13 offices.
Based on its Q2 2026 filing, Guaranty Bank scores 68/100, which we describe as moderate. That is higher than only 49% of 897 banks with $1 billion – $10 billion. Among 194 banks headquartered in Missouri, it ranks 118th. Its strongest component is problem-loan coverage (92/100; 3.9%), and its lowest is funding & liquidity (50/100; 96% loans-to-deposits, 28% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 3 points (71 → 68), mostly because the earnings component improved by 7 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 73 |
| Q3 2024 | 74 |
| Q4 2024 | 72 |
| Q1 2025 | 70 |
| Q2 2025 | 71 |
| Q3 2025 | 67 |
| Q4 2025 | 68 |
| Q1 2026 | 71 |
| Q2 2026 | 68 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.54% |
| Q3 2024 | 11.89% |
| Q4 2024 | 12.15% |
| Q1 2025 | 12.55% |
| Q2 2025 | 12.65% |
| Q3 2025 | 12.19% |
| Q4 2025 | 12.03% |
| Q1 2026 | 12.43% |
| Q2 2026 | 12.34% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.32% |
| Q3 2024 | 0.37% |
| Q4 2024 | 0.66% |
| Q1 2025 | 0.64% |
| Q2 2025 | 0.69% |
| Q3 2025 | 1.02% |
| Q4 2025 | 0.87% |
| Q1 2026 | 0.83% |
| Q2 2026 | 0.88% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.14% |
| Q3 2024 | 1.19% |
| Q4 2024 | 1.12% |
| Q1 2025 | 0.71% |
| Q2 2025 | 0.78% |
| Q3 2025 | 0.96% |
| Q4 2025 | 1.00% |
| Q1 2026 | 1.23% |
| Q2 2026 | 0.95% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 68 | $2.4B | 12.34% | 0.88% | 0.95% | 96.1% |
| Q1 2026 | 71 | $2.4B | 12.43% | 0.83% | 1.23% | 105.6% |
| Q4 2025 | 68 | $2.4B | 12.03% | 0.87% | 1.00% | 100.5% |
| Q3 2025 | 67 | $2.4B | 12.19% | 1.02% | 0.96% | 101.9% |
| Q2 2025 | 71 | $2.4B | 12.65% | 0.69% | 0.78% | 96.9% |
| Q1 2025 | 70 | $2.3B | 12.55% | 0.64% | 0.71% | 96.2% |
| Q4 2024 | 72 | $2.3B | 12.15% | 0.66% | 1.12% | 98.2% |
| Q3 2024 | 74 | $2.4B | 11.89% | 0.37% | 1.19% | 101.8% |
| Q2 2024 | 73 | $2.4B | 11.54% | 0.32% | 1.14% | 102.0% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Missouri
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Omb BankBank Springfield, MO | 62 out of 100, Moderate | $2.4B | 9.2% | 0.83% | vs |
| First Bank of the LakeBank Osage Beach, MO | 26 out of 100, Low | $2.3B | 7.1% | 3.70% | vs |
| Lead BankBank Kansas City, MO | 44 out of 100, Below average | $2.8B | 7.4% | 3.26% | vs |
| BTC BankBank Bethany, MO | 60 out of 100, Moderate | $1.9B | 9.4% | 0.72% | vs |
| Legacy Bank & Trust CompanyBank Mountain Grove, MO | 64 out of 100, Moderate | $1.8B | 11.9% | 1.47% | vs |
| Hawthorn BankBank Jefferson City, MO | 75 out of 100, Strong | $1.8B | 11.3% | 0.47% | vs |
Deposit insurance
Is my money safe at Guaranty Bank?
Yes. Guaranty Bank is an FDIC-insured institution (FDIC certificate #58892). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 27.7% of deposits ($520.0M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.34%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.44% (benchmark: 10%).
13 locations
Branches
Guaranty Bank lists 13 offices in 6 cities. Most locations:
- Springfield, MO (6)
- Joplin, MO (3)
- Carthage, MO (1)
- Neosho, MO (1)
- Nixa, MO (1)
- Ozark, MO (1)
HMDA 2025
Mortgage lending
In 2025, Guaranty Bank reported 381 home-loan applications under HMDA (LEI 5493007IES1RWVUDDU23): 327 originated ($108,275,000 total), 12 denied, and 42 withdrawn or closed by the applicant. Its denial rate on decided applications was 3.5%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Guaranty Bank
- Former names
- Springfield First Community Bank
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 58892
- RSSD ID
- 3804535
- Primary regulator
- FED
- Holding company
- Qcr Holdings Inc
- Established
- October 24, 2008
- Headquarters
- 2144 E Republic Rd, Springfield, MO 65804
- Website
- www.gbankmo.com
- Employees
- 193
Quick answers
Guaranty Bank: common questions
Is Guaranty Bank FDIC insured?
Yes. Guaranty Bank is an FDIC-insured institution (FDIC certificate #58892). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Guaranty Bank's TellerScore?
68 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Guaranty Bank ever failed?
There is no failure record for FDIC certificate #58892 in the FDIC failed bank list.
How many branches does Guaranty Bank have?
13 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Springfield
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Peoples Community BankBank Greenville, MO | 83 out of 100, Strong | $735.2M | 18.5% | 1.23% | vs |
| Wood & Huston BankBank Marshall, MO | 82 out of 100, Strong | $1.2B | 11.6% | 0.14% | vs |
| Mid-Missouri BankBank Springfield, MO | 80 out of 100, Strong | $946.7M | 10.8% | 0.07% | vs |
| Foundation Credit UnionCredit union Springfield, MO | 79 out of 100, Strong | $76.6M | 14.3% | 0.33% | vs |
| Multi-States Credit UnionCredit union Springfield, MO | 78 out of 100, Strong | $90.9M | 12.5% | 0.36% | vs |
| Telcomm Credit UnionCredit union Springfield, MO | 77 out of 100, Strong | $337.9M | 13.2% | 0.25% | vs |