Guaranty Bank

Headquarters

2144 E. Republic Road, Suite F200
Springfield, MO 65804
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.10% 1.60% →
1-Year CD 0.62% 1.35% →
2-Year CD 0.81% 1.45% →
5-Year CD 1.45% 1.60% →
30-Year Mortgage N.A. 3.09% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.77% →

2020 Overview

General Bank Information

Guaranty Bank is an FDIC insured institution located in Springfield, MO. It was founded in 1891 and has approximately $1.01 billion in assets. Customers can open an account at one of its 11 branches.

FDIC Insured Yes
FDIC Certificate # 28670
Date Established 1891
Assets $ 1,010.05 million
Loans $ 723.52 million
Deposits $ 823.40 million
Capital $ 108.51 million
 

For a more detailed analysis of Guaranty Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - June 4, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Savings
0.10% $50 - Learn More
Money Market
0.10% $1,000 $9,999 Learn More
Money Market
0.10% $10,000 $24,999 Learn More
Money Market
0.15% $25,000 $49,999 Learn More
CD Rates APY MIN MAX
3 Mo CD
0.34% $1,000 - Learn More
6 Mo CD
0.49% $1,000 - Learn More
12 Mo CD
0.62% $1,000 - Learn More
18 Mo CD
0.65% $1,000 - Learn More
24 Mo CD
0.81% $1,000 - Learn More
36 Mo CD
0.91% $1,000 - Learn More
48 Mo CD
1.17% $1,000 - Learn More
60 Mo CD
1.45% $1,000 - Learn More

Fixed IRA Rates APY MIN MAX
Fixed IRA
0.62% $1,000 - Learn MoreShow Less
Checking Rates APY MIN FEE
Elite Checking 0.50% $0 $0.00 Learn MoreShow Less

Loan Rates - June 4, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Guaranty Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Rocket Mortgage
NMLS ID: 3030
3.746% 3.625% 1.00 $3,750 $1,141 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
3.998% 3.875% 1.00 $3,750 $1,176 Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
3.019% 3.000% 0.25 $625 $1,055 Learn More

Note to Guaranty Bank
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Branches

Guaranty Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Fairfield,Connecticut


Guaranty Bank Locations


Financial Details

Guaranty Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Guaranty Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Guaranty Bank U.S. Bank Average
9.47% 6.51%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of December 31, 2019, Guaranty Bank had $10,003,000 in non-current loans and $992,000 in owned real estate. To cover these potential losses it had $108,505,000 in equity and $7,608,000 in loans loss reserves. That gives it a Texas Ratio of 9.47%.

Return on Equity
Guaranty Bank U.S. Bank Average
10.7% 9.41%

Guaranty Bank has a Return on Equity of 10.7% versus the BestCashCow average of 9.41%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Guaranty Bank U.S. Bank Average
10.74% 12.82%

Guaranty Bank has a Capitalization of 10.74% versus the BestCashCow average of 12.82. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Guaranty Bank Balance Sheet Analysis

As of December 31, 2019, Guaranty Bank had assets of $1,010,051,000, loans of $723,519,000, and deposits of $823,399,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

December 31, 2019
ASSETS
Cash & Balances due from depository institutions $ 92.85 million
Interest-bearing balances $ 87.01 million
Total securities $ 118.25 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 723.52 million
Loan loss allowance $ 7.61 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.99 million
Goodwill and other intangibles $ 3.76 million
All other assets $ 42.41 million
     Total Assets $ 901.55 million
LIABILITIES
Total deposits $ 823.40 million
      Interest-bearing deposits $ 614.23 million
      Deposits held in domestic offices $ 823.40 million
      % insured (estimated) 77.68%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 74.54 million
Subordinated debt N.A.
All other liabilities $ 3.60 million
      Total Liabilities $ 901.55 million
      Shareholders’ Equity $ 108.51 million

Summary Income Statement

December 31, 2019
INCOME AND EXPENSES
Total Interest Income $ 45.22 million
Total Interest Expense $ 12.20 million
Net interest income $ 33.02 million
Provision for loan and lease losses $ 0.20 million
Total non interest income $ 7.05 million
Total non interest expense $ 26.10 million
Pre-tax Net Operating Income $ 13.77 million

Bank Loan Profile?

The top three loan types in Guaranty Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Commercial and Industrial Loans.

Compared to other banks in Missouri, Guaranty Bank has a significantly higher percent of Multifamily Mortgages, Commercial Real Estate on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 19.79
Multifamily
Mortgages
12.09
Credit Card Loans 0.00
Consumer Auto Loans 0.46
Small Business Loans 8.61
Construction and Development Loans 10.69
Commercial Real Estate 36.71
Commercial and Industrial Loans 14.78
Farm Loans 0.96

Frequently Asked Questions About Guaranty Bank

Branches and Savings

Is Guaranty Bank FDIC insured?

Yes. It is covered under FDIC Certificate #28670.

Why does Guaranty Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Guaranty Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Guaranty Bank a commercial bank?

Yes

Where are Guaranty Bank locations?

See branch locations nearby.

Is Guaranty Bank open on Saturdays?

Is Guaranty Bank open on Sundays?

What time does Guaranty Bank open?

What time does Guaranty Bank close?

Are Guaranty Bank ATMs Open 24/7?

Do Guaranty Bank ATMs accept cash deposits?

Can Guaranty Bank customers use other ATMs?

Do Guaranty Bank branches have notaries?

Will Guaranty Bank notarize my document?

What address for Guaranty Bank should I put for incoming ACH transfers?

Will the Guaranty Bank branch print checks?

Do Guaranty Bank checks expire?

Does Guaranty Bank require US citizenship to open account?

Can Guaranty Bank close my account?

Does Guaranty Bank Report to credit bureaus?

Does Guaranty Bank Use Equifax?

What is Guaranty Bank's ACH Routing Number?

What is Guaranty Bank's SWIFT code?

Products

Does Guaranty Bank offer mortgages?

Compare mortgage rates here.

Does Guaranty Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Guaranty Bank offer personal loans?

Compare personal loan rates here.

Does Guaranty Bank offer student loans?

Will Guaranty Bank cash a check?

Will Guaranty Bank redeem a savings bond?

Does Guaranty Bank cash savings bonds?

Will Guaranty Bank cash money orders?

Can Guaranty Bank issue a money order?

Does Guaranty Bank do currency exchange?

Background on The Bank

Who owns Guaranty Bank?

How long has Guaranty Bank been around?

Can Guaranty Bank transfer to other banks?

Does Guaranty Bank have quick pay?

Does Guaranty Bank accept rolled coins?

Will Guaranty Bank accept loose change?

Where is Guaranty Bank headquarters?

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