Guaranty Bank and Trust Company

210 N. Hayden St
Belzoni, MS 39038

 

2018 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 15953
Date Established 1943
Assets $0.82 billion
Loans $0.58 billion
Deposits $0.70 billion
Capital $0.08 billion

Guaranty Bank and Trust Company is an FDIC insured institution located in Belzoni, MS. It was founded in 1943 and has approximately $0.82 billion in assets. Customers can open an account at one of its 18 branches.

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.

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 Small Business Loans.

Compared to other banks in Mississippi, Guaranty Bank and Trust Company has a significantly higher percent of Multifamily Mortgages 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 18.55
Multifamily
Mortgages
5.89
Credit Card Loans 0.18
Consumer Auto Loans 0.42
Small Business Loans 14.51
Construction and Development Loans 7.47
Commercial Real Estate 32.10
Commercial and Industrial Loans 12.72
Farm Loans 10.37

Deposit Rates - December 19, 2018

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.10% $1,000 $19,999 Learn MoreShow Less
Money Market
0.13% $20,000 $99,999 Learn MoreShow Less
Premium Money Market Account
0.10% $1 $19,999 Learn MoreShow Less
Premium Money Market Account
0.40% $20,000 $99,999 Learn MoreShow Less
CD Rates APY MIN MAX
6 Mo CD
0.48% $10,000 $49,999 Learn MoreShow Less
6 Mo CD
0.53% $50,000 - Learn MoreShow Less
12 Mo CD
0.58% $10,000 $49,999 Learn MoreShow Less
12 Mo CD
0.63% $50,000 - Learn MoreShow Less
18 Mo CD
0.66% $10,000 $49,999 Learn MoreShow Less
18 Mo CD
0.71% $50,000 - Learn MoreShow Less
24 Mo CD
0.73% $10,000 $49,999 Learn MoreShow Less
24 Mo CD
0.78% $50,000 - Learn MoreShow Less
36 Mo CD
0.88% $10,000 $49,999 Learn MoreShow Less
36 Mo CD
0.93% $50,000 - Learn MoreShow Less
48 Mo CD
1.05% $10,000 $49,999 Learn MoreShow Less
48 Mo CD
1.10% $50,000 - Learn MoreShow Less
60 Mo CD
1.25% $10,000 $49,999 Learn MoreShow Less
60 Mo CD
1.30% $50,000 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
0.40% $2,500 $9,999 Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA
0.71% $10 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1,000 $24,999 Learn MoreShow Less

Loan Rates - December 19, 2018

Your Current Location: Virginia, VA 20146

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 - Virginia 30 Year Fixed Mortgage Rates 2018

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
HSBC Bank USA N.A.
NMLS ID: 399799
4.733% 4.625% 0.38 $3,266 $1,286 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.375% 5.375% 0.00 $0 $1,400 Learn More
Ally Bank
NMLS ID: 181005
4.691% 4.625% 0.38 $2,024 $1,286 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More

Note to Guaranty Bank and Trust Company
To upload and update your bank's rates please register. It is free to register and add rates.

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:
Ashburn,Virginia


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
6.82% 7.92%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s 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 June 30, 2018, Guaranty Bank and Trust Company had $4,936,000 in non-current loans and $916,000 in owned real estate. To cover these potential losses it had $78,043,000 in equity and $7,771,000 in loans loss reserves. That gives it a Texas Ratio of 6.82%.

Return on Equity
Guaranty Bank and Trust Company U.S. Bank Average
15.81% 9.77%

Guaranty Bank and Trust Company has a Return on Equity of 15.81% versus the BestCashCow average of 9.77%. 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
9.58% 12.31%

Guaranty Bank and Trust Company has a Capitalization of 9.58% versus the BestCashCow average of 12.31. 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 June 30, 2018, Guaranty Bank and Trust Company had assets of $815,035,000, loans of $581,025,000, and deposits of $696,357,000. 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

June 30, 2018
ASSETS
Cash & Balances due from depository institutions $0.06 billion
Interest-bearing balances $0.05 billion
Total securities $0.13 billion
Federal funds sold and reverse repurchase $0.01 billion
Net loans and leases $0.58 billion
Loan loss allowance $0.01 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.02 billion
     Total Assets $0.74 billion
LIABILITIES
Total deposits $0.70 billion
      Interest-bearing deposits $0.57 billion
      Deposits held in domestic offices $0.70 billion
      % insured (estimated) 63.75%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.03 billion
Subordinated debt $0.00 billion
All other liabilities $0.01 billion
      Total Liabilities $0.74 billion
      Shareholders’ Equity $0.08 billion

Summary Income Statement

June 30, 2018
INCOME AND EXPENSES
Total Interest Income $0.02 billion
Total Interest Expense $0.00 billion
Net interest income $0.02 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.01 billion
Pre-tax Net Operating Income $0.01 billion

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 #15953.

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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*All images, logos and public notes on this page appear courtesy of Guaranty Bank And Trust Company and are not subject to approval of BestCashCow. BestCashCow expressly disclaims all responsibility for this content.