TellerScore

Guaranty Bank & Trust Company of Delhi, Louisiana is a state-chartered bank headquartered in Delhi, Louisiana, in business for about 60 years. At the end of Q2 2026 it reported $457.4M in total assets and $411.6M in deposits, with 10 offices.

Guaranty Bank & Trust Company of Delhi, Louisiana has a TellerScore of 56 out of 100 (moderate) based on Q2 2026 data — higher than only 13% of its 2,650 banks with $100 million – $1 billion. Among 104 banks headquartered in Louisiana, it ranks 84th. Earnings contributes the most (78/100, 1.45%); capital cushion contributes the least (35/100, 8.50%).

TellerScore · Q2 2026

Scorecard

Capital cushion35/100
Tier 1 leverage ratio: 8.50%
Loan quality57/100
Noncurrent loans ÷ total loans: 1.29%
Earnings78/100
Return on assets (annualized): 1.45%
Funding & liquidity58/100
Loans ÷ deposits and uninsured-deposit share: 80.4% · 34.3% uninsured
Problem-loan coverage73/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 13.29%

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 3 points (53 → 56), mostly because the loan quality component improved by 20 points.

TellerScore
395163Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202463
Q3 202457
Q4 202461
Q1 202559
Q2 202553
Q3 202543
Q4 202539
Q1 202643
Q2 202656
Tier 1 leverage ratio
5.00%6.90%8.79%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 20248.62%
Q3 20248.67%
Q4 20248.53%
Q1 20258.79%
Q2 20258.36%
Q3 20258.30%
Q4 20258.23%
Q1 20268.36%
Q2 20268.50%
Noncurrent loans
0.89%2.11%3.32%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.89%
Q3 20241.53%
Q4 20241.29%
Q1 20251.30%
Q2 20251.89%
Q3 20252.81%
Q4 20253.32%
Q1 20262.46%
Q2 20261.29%
Return on assets
1.20%1.54%1.89%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20241.86%
Q3 20241.83%
Q4 20241.89%
Q1 20251.56%
Q2 20251.72%
Q3 20251.70%
Q4 20251.63%
Q1 20261.20%
Q2 20261.45%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202656$457.4M8.50%1.29%1.45%80.4%
Q1 202643$451.1M8.36%2.46%1.20%80.4%
Q4 202539$467.0M8.23%3.32%1.63%82.4%
Q3 202543$448.5M8.30%2.81%1.70%86.1%
Q2 202553$447.3M8.36%1.89%1.72%86.0%
Q1 202559$437.9M8.79%1.30%1.56%87.8%
Q4 202461$423.4M8.53%1.29%1.89%88.7%
Q3 202457$405.9M8.67%1.53%1.83%93.4%
Q2 202463$400.7M8.62%0.89%1.86%91.6%

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).

Capital ratio8.50%
6th
Total risk-based capital15.61%
71st
Problem loans1.29%
22nd
Net charge-offs0.49%
5th
Return on assets1.45%
63rd
Net interest margin3.95%
51st
Efficiency ratio56.6%
67th
Loans to deposits80.4%
48th
Uninsured deposits34.3%
18th
Loan-loss reserves0.53%
4th
Texas ratio13.3%
12th

Similar-size banks in Louisiana

InstitutionScoreAssetsCapitalProblem loansCompare
The BankBank Jennings, LA83 out of 100, Strong$462.0M12.8%0.48%vs
Louisiana National BankBank Ruston, LA63 out of 100, Moderate$474.0M10.5%1.41%vs
Citizens Bank & Trust CompanyBank Plaquemine, LA68 out of 100, Moderate$480.8M11.9%0.82%vs
Winnsboro State Bank & Trust CompanyBank Winnsboro, LA68 out of 100, Moderate$425.7M10.9%0.94%vs
First National Bank in DeRidderBank Deridder, LA70 out of 100, Strong$419.0M9.8%0.57%vs
Bank of ZacharyBank Zachary, LA76 out of 100, Strong$416.0M11.9%0.07%vs

Deposit insurance

Is my money safe at Guaranty Bank & Trust Company of Delhi, Louisiana?

Yes. Guaranty Bank & Trust Company of Delhi, Louisiana is an FDIC-insured institution (FDIC certificate #19638). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 34.3% of deposits ($141.2M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 8.50%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.61% (benchmark: 10%).

Check how much of your own balance is covered

10 locations

Branches

Guaranty Bank & Trust Company of Delhi, Louisiana lists 9 offices in 8 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Guaranty Bank & Trust Company of Delhi, Louisiana reported 354 home-loan applications under HMDA (LEI 5493007JVSQYT5Y2V066): 326 originated ($65,030,000 total), 7 denied, and 7 withdrawn or closed by the applicant. Its denial rate on decided applications was 2.0%, 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 & Trust Company of Delhi, Louisiana
Type
State-chartered bank
FDIC certificate #
19638
RSSD ID
969255
Primary regulator
FDIC
Holding company
Delhi Bancshares Inc
Established
October 15, 1966
Headquarters
120 Oak St, Delhi, LA 71232
Employees
66

Quick answers

Guaranty Bank & Trust Company of Delhi, Louisiana: common questions

Is Guaranty Bank & Trust Company of Delhi, Louisiana FDIC insured?

Yes. Guaranty Bank & Trust Company of Delhi, Louisiana is an FDIC-insured institution (FDIC certificate #19638). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Guaranty Bank & Trust Company of Delhi, Louisiana's TellerScore?

56 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 & Trust Company of Delhi, Louisiana ever failed?

There is no failure record for FDIC certificate #19638 in the FDIC failed bank list.

How many branches does Guaranty Bank & Trust Company of Delhi, Louisiana have?

10 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Delhi

InstitutionScoreAssetsCapitalProblem loansCompare
Sicily Island State BankBank Sicily Island, LA86 out of 100, Very strong$92.4M13.2%0.13%vs
Franklin State Bank & Trust CompanyBank Winnsboro, LA75 out of 100, Strong$224.7M10.0%0.76%vs
Richland Parish Schools Federal Credit UnionCredit union Rayville, LA74 out of 100, Strong$619K29.6%6.18%vs
Bank of Oak RidgeBank Oak Ridge, LA72 out of 100, Strong$138.6M11.6%0.00%vs
Planters Bank & Trust CompanyBank Indianola, MS71 out of 100, Strong$2.7B11.2%0.61%vs
Winnsboro State Bank & Trust CompanyBank Winnsboro, LA68 out of 100, Moderate$425.7M10.9%0.94%vs