TellerScore

Guaranty Bank and Trust Company (FDIC certificate #15953) is based in Belzoni, Mississippi. Its Q2 2026 call report shows $3.1B in total assets and $2.6B in deposits and 42 offices across 2 states.

Guaranty Bank and Trust Company has a TellerScore of 55 out of 100 (moderate) based on Q2 2026 data — higher than only 13% of its 897 banks with $1 billion – $10 billion. Among 57 banks headquartered in Mississippi, it ranks 53rd. Problem-loan coverage contributes the most (73/100, 13.4%); loan quality contributes the least (33/100, 2.01%).

TellerScore · Q2 2026

Scorecard

Capital cushion54/100
Tier 1 leverage ratio: 10.42%
Loan quality33/100
Noncurrent loans ÷ total loans: 2.01%
Earnings64/100
Return on assets (annualized): 1.11%
Funding & liquidity68/100
Loans ÷ deposits and uninsured-deposit share: 82.1% · 24.5% uninsured
Problem-loan coverage73/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 13.44%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (55 → 55).

TellerScore
515456Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202455
Q3 202453
Q4 202455
Q1 202553
Q2 202555
Q3 202556
Q4 202551
Q1 202655
Q2 202655
Tier 1 leverage ratio
5.00%7.71%10.42%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 20249.44%
Q3 20249.23%
Q4 20249.61%
Q1 20259.80%
Q2 202510.15%
Q3 202510.30%
Q4 202510.18%
Q1 202610.32%
Q2 202610.42%
Noncurrent loans
1.41%1.86%2.32%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20241.41%
Q3 20241.49%
Q4 20241.50%
Q1 20251.92%
Q2 20251.86%
Q3 20251.84%
Q4 20252.32%
Q1 20261.92%
Q2 20262.01%
Return on assets
0.84%0.98%1.12%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.88%
Q3 20240.84%
Q4 20240.88%
Q1 20251.08%
Q2 20251.12%
Q3 20251.10%
Q4 20251.10%
Q1 20260.91%
Q2 20261.11%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202655$3.1B10.42%2.01%1.11%82.1%
Q1 202655$3.0B10.32%1.92%0.91%78.2%
Q4 202551$2.9B10.18%2.32%1.10%79.5%
Q3 202556$3.0B10.30%1.84%1.10%83.0%
Q2 202555$2.8B10.15%1.86%1.12%84.2%
Q1 202553$2.9B9.80%1.92%1.08%82.7%
Q4 202455$2.9B9.61%1.50%0.88%86.2%
Q3 202453$2.9B9.23%1.49%0.84%85.6%
Q2 202455$2.6B9.44%1.41%0.88%83.4%

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).

Capital ratio10.42%
48th
Total risk-based capital0.00%
13th
Problem loans2.01%
8th
Net charge-offs0.11%
29th
Return on assets1.11%
39th
Net interest margin4.21%
78th
Efficiency ratio60.9%
44th
Loans to deposits82.1%
63rd
Uninsured deposits24.5%
72nd
Loan-loss reserves1.40%
80th
Texas ratio13.4%
9th

Similar-size banks in Mississippi

InstitutionScoreAssetsCapitalProblem loansCompare
BankFirst Financial ServicesBank Columbus, MS69 out of 100, Moderate$3.3B10.9%0.77%vs
Planters Bank & Trust CompanyBank Indianola, MS71 out of 100, Strong$2.7B11.2%0.61%vs
The Citizens National Bank of MeridianBank Meridian, MS70 out of 100, Strong$1.9B11.3%0.87%vs
The Citizens Bank of Philadelphia, MississippiBank Philadelphia, MS66 out of 100, Moderate$1.6B9.1%0.47%vs
TownBridge BankBank Pascagoula, MS61 out of 100, Moderate$1.3B8.8%1.94%vs
PriorityOne BankBank Magee, MS70 out of 100, Strong$1.2B11.9%1.58%vs

Deposit insurance

Is my money safe at Guaranty Bank and Trust Company?

Yes. Guaranty Bank and Trust Company is an FDIC-insured institution (FDIC certificate #15953). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 24.5% of deposits ($647.6M) 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 10.42%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

42 locations

Branches

Guaranty Bank and Trust Company lists 38 offices in 29 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Guaranty Bank and Trust Company reported 1,482 home-loan applications under HMDA (LEI 5493007B7MEWKMDWUZ73): 1,045 originated ($256,045,000 total), 239 denied, and 186 withdrawn or closed by the applicant. Its denial rate on decided applications was 18.4%, 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 and Trust Company
Type
State-chartered bank
FDIC certificate #
15953
RSSD ID
84541
Primary regulator
FDIC
Holding company
Guaranty Capital Corp
Established
May 17, 1943
Headquarters
210 N Hayden St, Belzoni, MS 39038
Employees
486

Quick answers

Guaranty Bank and Trust Company: common questions

Is Guaranty Bank and Trust Company FDIC insured?

Yes. Guaranty Bank and Trust Company is an FDIC-insured institution (FDIC certificate #15953). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Guaranty Bank and Trust Company's TellerScore?

55 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 and Trust Company ever failed?

There is no failure record for FDIC certificate #15953 in the FDIC failed bank list.

How many branches does Guaranty Bank and Trust Company have?

42 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Belzoni

InstitutionScoreAssetsCapitalProblem loansCompare
Delta Federal Credit UnionCredit union Greenville, MS98 out of 100, Very strong$8.9M29.2%0.27%vs
BankPlusBank Belzoni, MS71 out of 100, Strong$8.4B10.8%0.64%vs
Planters Bank & Trust CompanyBank Indianola, MS71 out of 100, Strong$2.7B11.2%0.61%vs
Bank of AnguillaBank Anguilla, MS65 out of 100, Moderate$192.2M14.7%2.66%vs
Community Bank of MississippiBank Flowood, MS64 out of 100, Moderate$5.1B8.3%0.25%vs
Southern Bancorp BankBank Arkadelphia, AR61 out of 100, Moderate$3.0B11.9%1.42%vs