Guaranty State Bank and Trust Company (FDIC certificate #10907) is based in Beloit, Kansas. Its Q2 2026 call report shows $381.4M in total assets and $324.6M in deposits and 9 offices.
Guaranty State Bank and Trust Company has a TellerScore of 72 out of 100 (strong) based on Q2 2026 data — higher than 50% of its 2,650 banks with $100 million – $1 billion. Among 185 banks headquartered in Kansas, it ranks 113th. Problem-loan coverage contributes the most (93/100, 3.7%); earnings contributes the least (62/100, 1.05%).
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
The score has been essentially flat from Q2 2025 to Q2 2026 (73 → 72).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 76 |
| Q3 2024 | 65 |
| Q4 2024 | 68 |
| Q1 2025 | 71 |
| Q2 2025 | 73 |
| Q3 2025 | 72 |
| Q4 2025 | 69 |
| Q1 2026 | 72 |
| Q2 2026 | 72 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.02% |
| Q3 2024 | 11.53% |
| Q4 2024 | 11.42% |
| Q1 2025 | 11.55% |
| Q2 2025 | 11.96% |
| Q3 2025 | 11.94% |
| Q4 2025 | 11.49% |
| Q1 2026 | 11.25% |
| Q2 2026 | 11.60% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.23% |
| Q3 2024 | 1.08% |
| Q4 2024 | 0.69% |
| Q1 2025 | 0.77% |
| Q2 2025 | 0.73% |
| Q3 2025 | 0.69% |
| Q4 2025 | 0.74% |
| Q1 2026 | 0.77% |
| Q2 2026 | 0.60% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.94% |
| Q3 2024 | 0.76% |
| Q4 2024 | 0.74% |
| Q1 2025 | 1.01% |
| Q2 2025 | 1.19% |
| Q3 2025 | 1.05% |
| Q4 2025 | 0.94% |
| Q1 2026 | 1.28% |
| Q2 2026 | 1.05% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 72 | $381.4M | 11.60% | 0.60% | 1.05% | 79.0% |
| Q1 2026 | 72 | $386.5M | 11.25% | 0.77% | 1.28% | 75.1% |
| Q4 2025 | 69 | $390.4M | 11.49% | 0.74% | 0.94% | 81.7% |
| Q3 2025 | 72 | $376.8M | 11.94% | 0.69% | 1.05% | 82.3% |
| Q2 2025 | 73 | $375.0M | 11.96% | 0.73% | 1.19% | 81.3% |
| Q1 2025 | 71 | $374.6M | 11.55% | 0.77% | 1.01% | 78.5% |
| Q4 2024 | 68 | $383.1M | 11.42% | 0.69% | 0.74% | 85.0% |
| Q3 2024 | 65 | $385.6M | 11.53% | 1.08% | 0.76% | 84.6% |
| Q2 2024 | 76 | $369.6M | 12.02% | 0.23% | 0.94% | 82.4% |
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 Kansas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| ESB FinancialBank Emporia, KS | 59 out of 100, Moderate | $381.3M | 9.1% | 1.58% | vs |
| Commercial BankBank Parsons, KS | 62 out of 100, Moderate | $382.2M | 8.3% | 0.72% | vs |
| Bank of HaysBank Hays, KS | 75 out of 100, Strong | $379.2M | 10.0% | 0.47% | vs |
| Community First National BankBank Manhattan, KS | 77 out of 100, Strong | $374.7M | 10.9% | 0.20% | vs |
| Golden Belt Bank, FSABank Hays, KS | 68 out of 100, Moderate | $373.5M | 10.1% | 0.41% | vs |
| The Farmers State Bank of Oakley, KansasBank Oakley, KS | 76 out of 100, Strong | $396.1M | 11.6% | 0.01% | vs |
Deposit insurance
Is my money safe at Guaranty State Bank and Trust Company?
Yes. Guaranty State Bank and Trust Company is an FDIC-insured institution (FDIC certificate #10907). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 26.1% of deposits ($84.8M) 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 11.60%, 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%).
9 locations
Branches
Guaranty State Bank and Trust Company lists 8 offices in 8 cities. Most locations:
- Beloit, KS (1)
- Burr Oak, KS (1)
- Esbon, KS (1)
- Glen Elder, KS (1)
- Jamestown, KS (1)
- Jewell, KS (1)
- Smith Center, KS (1)
- Tipton, KS (1)
Identity & history
Profile
- Legal name
- Guaranty State Bank and Trust Company
- Former names
- The Guaranty State Bank, Beloit, Kansas
- Type
- State-chartered bank
- FDIC certificate #
- 10907
- RSSD ID
- 1009756
- Primary regulator
- FDIC
- Holding company
- Guaranty Inc
- Established
- January 23, 1922
- Headquarters
- 201 S Mill St, Beloit, KS 67420
- Website
- www.guarantystate.com
- Employees
- 59
Quick answers
Guaranty State Bank and Trust Company: common questions
Is Guaranty State Bank and Trust Company FDIC insured?
Yes. Guaranty State Bank and Trust Company is an FDIC-insured institution (FDIC certificate #10907). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Guaranty State Bank and Trust Company's TellerScore?
72 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Guaranty State Bank and Trust Company ever failed?
There is no failure record for FDIC certificate #10907 in the FDIC failed bank list.
How many branches does Guaranty State Bank and Trust Company have?
9 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Beloit
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Bank of TescottBank Tescott, KS | 79 out of 100, Strong | $648.3M | 10.6% | 0.08% | vs |
| Central National BankBank Junction City, KS | 78 out of 100, Strong | $1.4B | 11.0% | 0.01% | vs |
| Farmers and Merchants BankBank Milligan, NE | 78 out of 100, Strong | $215.4M | 11.1% | 0.19% | vs |
| Farmway Credit UnionCredit union Beloit, KS | 77 out of 100, Strong | $106.8M | 21.9% | 0.95% | vs |
| First National Bank and TrustBank Phillipsburg, KS | 72 out of 100, Strong | $322.2M | 14.7% | 1.87% | vs |
| Citizens State Bank and Trust Co., Ellsworth, KansasBank Ellsworth, KS | 72 out of 100, Strong | $275.9M | 9.7% | 0.12% | vs |