Guaranty Bank and Trust Company

Headquarters

302 Third Avenue, S.E.
Cedar Rapids, IA 52406
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 1.05% →
1-Year CD N.A. 0.95% →
2-Year CD N.A. 1.05% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

Guaranty Bank and Trust Company is an FDIC insured institution located in Cedar Rapids, IA. It was founded in 1934 and has approximately $0.26 billion in assets. Customers can open an account at one of its 3 branches.

FDIC Insured Yes
FDIC Certificate # 14704
Date Established 1934
Assets $ 263.68 million
Loans $ 193.59 million
Deposits $ 212.30 million
Capital $ 25.19 million
 

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

Deposit Rates - September 18, 2020

Your Current Location: Washington, WA 98109


Loan Rates - September 18, 2020

Your Current Location: Washington, WA 98109

There are currently no loan rates available for Guaranty Bank and Trust Company

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




Featured - Washington 30 Year Fixed Mortgage Rates 2020

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4.114% 3.990% 1.00 $3,750 $1,193 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More

Note to Guaranty Bank and Trust Company
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Branches

Guaranty Bank and Trust Company 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:
Seattle,Washington


Guaranty Bank and Trust Company Locations


Financial Details

Guaranty Bank and Trust Company Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Guaranty Bank and Trust Company. 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
Guaranty Bank and Trust Company U.S. Bank Average
6.84% 6.94%

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 March 31, 2020, Guaranty Bank and Trust Company had $1,841,000 in non-current loans and $55,000 in owned real estate. To cover these potential losses it had $25,185,000 in equity and $2,516,000 in loans loss reserves. That gives it a Texas Ratio of 6.84%.

Return on Equity
Guaranty Bank and Trust Company U.S. Bank Average
8.08% 7.80%

Guaranty Bank and Trust Company has a Return on Equity of 8.08% versus the BestCashCow average of 7.80%. 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 and Trust Company U.S. Bank Average
9.55% 12.68%

Guaranty Bank and Trust Company has a Capitalization of 9.55% versus the BestCashCow average of 12.68. 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 and Trust Company Balance Sheet Analysis

As of September 30, 2017, Guaranty Bank and Trust Company had assets of $257,218,000, loans of $193,593,000, and deposits of $212,302,000. 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

March 31, 2020
ASSETS
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 193.59 million
Loan loss allowance $ 2.52 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.06 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 212.30 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 263.68 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

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

Compared to other banks in Iowa, Guaranty Bank and Trust Company has a significantly higher percent of Multifamily Mortgages, Construction and Development Loans, 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 24.70
Multifamily
Mortgages
16.17
Credit Card Loans 0.00
Consumer Auto Loans 0.35
Small Business Loans 0.00
Construction and Development Loans 8.60
Commercial Real Estate 26.46
Commercial and Industrial Loans 20.08
Farm Loans 0.00

Frequently Asked Questions About Guaranty Bank And Trust Company

Branches and Savings

Is Guaranty Bank And Trust Company FDIC insured?

Yes. It is covered under FDIC Certificate #14704.

Why does Guaranty Bank And Trust Company 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 And Trust Company CD rates not competitive?

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

Is Guaranty Bank And Trust Company a commercial bank?

Yes

Where are Guaranty Bank And Trust Company locations?

See branch locations nearby.

Is Guaranty Bank And Trust Company open on Saturdays?

Is Guaranty Bank And Trust Company open on Sundays?

What time does Guaranty Bank And Trust Company open?

What time does Guaranty Bank And Trust Company close?

Are Guaranty Bank And Trust Company ATMs Open 24/7?

Do Guaranty Bank And Trust Company ATMs accept cash deposits?

Can Guaranty Bank And Trust Company customers use other ATMs?

Do Guaranty Bank And Trust Company branches have notaries?

Will Guaranty Bank And Trust Company notarize my document?

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

Will the Guaranty Bank And Trust Company branch print checks?

Do Guaranty Bank And Trust Company checks expire?

Does Guaranty Bank And Trust Company require US citizenship to open account?

Can Guaranty Bank And Trust Company close my account?

Does Guaranty Bank And Trust Company Report to credit bureaus?

Does Guaranty Bank And Trust Company Use Equifax?

What is Guaranty Bank And Trust Company's ACH Routing Number?

What is Guaranty Bank And Trust Company's SWIFT code?

Products

Does Guaranty Bank And Trust Company offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Guaranty Bank And Trust Company offer personal loans?

Compare personal loan rates here.

Does Guaranty Bank And Trust Company offer student loans?

Will Guaranty Bank And Trust Company cash a check?

Will Guaranty Bank And Trust Company redeem a savings bond?

Does Guaranty Bank And Trust Company cash savings bonds?

Will Guaranty Bank And Trust Company cash money orders?

Can Guaranty Bank And Trust Company issue a money order?

Does Guaranty Bank And Trust Company do currency exchange?

Background on The Bank

Who owns Guaranty Bank And Trust Company?

How long has Guaranty Bank And Trust Company been around?

Can Guaranty Bank And Trust Company transfer to other banks?

Does Guaranty Bank And Trust Company have quick pay?

Does Guaranty Bank And Trust Company accept rolled coins?

Will Guaranty Bank And Trust Company accept loose change?

Where is Guaranty Bank And Trust Company headquarters?

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