Guaranty Bank and Trust Company (FDIC certificate #17767) is based in New Roads, Louisiana. Its Q2 2026 call report shows $318.5M in total assets and $274.8M in deposits and 7 offices.
Based on its Q2 2026 filing, Guaranty Bank and Trust Company scores 58/100, which we describe as moderate. That is higher than only 16% of 2,650 banks with $100 million – $1 billion. Among 104 banks headquartered in Louisiana, it ranks 81st. Its strongest component is capital cushion (88/100; 13.82%), and its lowest is loan quality (0/100; 3.99%).
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 rose 4 points (54 → 58), mostly because the funding & liquidity component improved by 7 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 58 |
| Q3 2024 | 64 |
| Q4 2024 | 66 |
| Q1 2025 | 61 |
| Q2 2025 | 54 |
| Q3 2025 | 57 |
| Q4 2025 | 58 |
| Q1 2026 | 57 |
| Q2 2026 | 58 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 13.23% |
| Q3 2024 | 13.74% |
| Q4 2024 | 13.70% |
| Q1 2025 | 13.05% |
| Q2 2025 | 13.26% |
| Q3 2025 | 14.13% |
| Q4 2025 | 14.40% |
| Q1 2026 | 13.66% |
| Q2 2026 | 13.82% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 2.49% |
| Q3 2024 | 2.02% |
| Q4 2024 | 1.99% |
| Q1 2025 | 2.26% |
| Q2 2025 | 4.02% |
| Q3 2025 | 3.15% |
| Q4 2025 | 3.52% |
| Q1 2026 | 4.20% |
| Q2 2026 | 3.99% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.09% |
| Q3 2024 | 1.10% |
| Q4 2024 | 1.19% |
| Q1 2025 | 1.19% |
| Q2 2025 | 1.21% |
| Q3 2025 | 1.17% |
| Q4 2025 | 1.15% |
| Q1 2026 | 1.30% |
| Q2 2026 | 1.28% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 58 | $318.5M | 13.82% | 3.99% | 1.28% | 79.2% |
| Q1 2026 | 57 | $323.0M | 13.66% | 4.20% | 1.30% | 76.9% |
| Q4 2025 | 58 | $307.0M | 14.40% | 3.52% | 1.15% | 83.1% |
| Q3 2025 | 57 | $298.1M | 14.13% | 3.15% | 1.17% | 87.9% |
| Q2 2025 | 54 | $311.8M | 13.26% | 4.02% | 1.21% | 85.2% |
| Q1 2025 | 61 | $321.5M | 13.05% | 2.26% | 1.19% | 78.0% |
| Q4 2024 | 66 | $307.3M | 13.70% | 1.99% | 1.19% | 79.6% |
| Q3 2024 | 64 | $292.7M | 13.74% | 2.02% | 1.10% | 86.9% |
| Q2 2024 | 58 | $295.8M | 13.23% | 2.49% | 1.09% | 85.1% |
2,650 peers · $100 million – $1 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 Louisiana
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bank of CoushattaBank Coushatta, LA | 34 out of 100, Low | $317.1M | 9.2% | 6.52% | vs |
| Washington State BankBank Washington, LA | 63 out of 100, Moderate | $309.2M | 10.8% | 1.29% | vs |
| Citizens Savings BankBank Bogalusa, LA | 81 out of 100, Strong | $329.1M | 14.3% | 0.74% | vs |
| Patterson State BankBank Patterson, LA | 50 out of 100, Below average | $330.7M | 8.9% | 1.78% | vs |
| Caldwell Bank & Trust CompanyBank Columbia, LA | 41 out of 100, Below average | $298.6M | 10.0% | 2.86% | vs |
| St. Landry Bank and Trust CompanyBank Opelousas, LA | 46 out of 100, Below average | $294.9M | 11.2% | 3.42% | 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 #17767). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 22.3% of deposits ($61.3M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 13.82%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 22.72% (benchmark: 10%).
7 locations
Branches
Guaranty Bank and Trust Company lists 7 offices in 7 cities. Most locations:
- Baton Rouge, LA (1)
- Grosse Tete, LA (1)
- Livonia, LA (1)
- Maringouin, LA (1)
- New Roads, LA (1)
- Port Allen, LA (1)
- Zachary, LA (1)
HMDA 2025
Mortgage lending
In 2025, Guaranty Bank and Trust Company reported 122 home-loan applications under HMDA (LEI 549300MZ53GGF2499G54): 109 originated ($19,235,000 total), 7 denied, and 2 withdrawn or closed by the applicant. Its denial rate on decided applications was 5.8%, 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
- Former names
- Team Bank and Trust Company
- Type
- State-chartered bank
- FDIC certificate #
- 17767
- RSSD ID
- 289739
- Primary regulator
- FDIC
- Holding company
- Great Guaranty Bancshares Inc
- Established
- June 29, 1957
- Headquarters
- 175 New Roads St, New Roads, LA 70760
- Website
- guaranty-bnk.com
- Employees
- 74
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 #17767). 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?
58 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 #17767 in the FDIC failed bank list.
How many branches does Guaranty Bank and Trust Company have?
7 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near New Roads
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Baton Rouge City Parish Emp Federal Credit UnionCredit union Baton Rouge, LA | 96 out of 100, Very strong | $58.2M | 22.0% | 0.33% | vs |
| Department of Corrections Credit UnionCredit union Baton Rouge, LA | 90 out of 100, Very strong | $126.3M | 23.4% | 0.57% | vs |
| Gp Louisiana Federal Credit UnionCredit union Zachary, LA | 88 out of 100, Very strong | $66.2M | 17.0% | 0.80% | vs |
| Currency BankBank Baton Rouge, LA | 86 out of 100, Very strong | $248.5M | 13.4% | 0.14% | vs |
| Bayou Federal Credit UnionCredit union Baton Rouge, LA | 84 out of 100, Strong | $82.5M | 15.9% | 0.30% | vs |
| Cottonport BankBank Cottonport, LA | 83 out of 100, Strong | $581.6M | 13.9% | 0.99% | vs |