Guaranty Bank & Trust Company of Delhi, Louisiana

Headquarters

Oak And Georgia Streets
Delhi, LA 71232
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.10% 1.05% →
1-Year CD 0.60% 0.95% →
2-Year CD 0.80% 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 & Trust Company of Delhi, Louisiana is an FDIC insured institution located in Delhi, LA. It was founded in 1966 and has approximately $0.3 billion in assets. Customers can open an account at one of its 9 branches.

FDIC Insured Yes
FDIC Certificate # 19638
Date Established 1966
Assets $ 295.85 million
Loans $ 222.92 million
Deposits $ 250.46 million
Capital $ 24.11 million
 

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

Deposit Rates - September 19, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Savings
0.10% $10 - Learn More
Money Market
0.10% $1,000 - Learn More
CD Rates APY MIN MAX
3 Mo CD
0.20% $1,000 - Learn More
6 Mo CD
0.40% $1,000 - Learn More
12 Mo CD
0.60% $1,000 - Learn More
18 Mo CD
0.70% $1,000 - Learn More
24 Mo CD
0.80% $1,000 - Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.15% $1 - Learn MoreShow Less

Loan Rates - September 19, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Guaranty Bank & Trust Company of Delhi, Louisiana

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 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
2.815% 2.750% 0.88 $2,118 $1,021 Learn More
Rocket Mortgage
NMLS ID: 3030
3.872% 3.750% 1.00 $3,750 $1,158 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.990 %
$0 Learn More
More Info

Note to Guaranty Bank & Trust Company of Delhi, Louisiana
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Branches

Guaranty Bank & Trust Company of Delhi, Louisiana 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 & Trust Company of Delhi, Louisiana Locations


Financial Details

Guaranty Bank & Trust Company of Delhi, Louisiana Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Guaranty Bank & Trust Company of Delhi, Louisiana. 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 & Trust Company of Delhi, Louisiana U.S. Bank Average
4.83% 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 & Trust Company of Delhi, Louisiana had $816,000 in non-current loans and $419,000 in owned real estate. To cover these potential losses it had $24,111,000 in equity and $1,434,000 in loans loss reserves. That gives it a Texas Ratio of 4.83%.

Return on Equity
Guaranty Bank & Trust Company of Delhi, Louisiana U.S. Bank Average
25.32% 7.80%

Guaranty Bank & Trust Company of Delhi, Louisiana has a Return on Equity of 25.32% 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 & Trust Company of Delhi, Louisiana U.S. Bank Average
8.15% 12.68%

Guaranty Bank & Trust Company of Delhi, Louisiana has a Capitalization of 8.15% 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 & Trust Company of Delhi, Louisiana Balance Sheet Analysis

As of March 31, 2020, Guaranty Bank & Trust Company of Delhi, Louisiana had assets of $295,845,000, loans of $222,916,000, and deposits of $250,461,000. 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 $ 48.88 million
Interest-bearing balances $ 42.24 million
Total securities $ 14.05 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 222.92 million
Loan loss allowance $ 1.43 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.42 million
Goodwill and other intangibles N.A.
All other assets $ 3.86 million
     Total Assets $ 271.73 million
LIABILITIES
Total deposits $ 250.46 million
      Interest-bearing deposits $ 168.03 million
      Deposits held in domestic offices $ 250.46 million
      % insured (estimated) 61.40%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 20.20 million
Subordinated debt N.A.
All other liabilities $ 1.07 million
      Total Liabilities $ 271.73 million
      Shareholders’ Equity $ 24.11 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 3.92 million
Total Interest Expense $ 0.65 million
Net interest income $ 3.27 million
Provision for loan and lease losses $ 0.10 million
Total non interest income $ 0.59 million
Total non interest expense $ 2.29 million
Pre-tax Net Operating Income $ 1.48 million

Bank Loan Profile?

The top three loan types in Guaranty Bank & Trust Company of Delhi, Louisiana’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Construction and Development Loans.

Compared to other banks in Louisiana, Guaranty Bank & Trust Company of Delhi, Louisiana 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 43.00
Multifamily
Mortgages
5.99
Credit Card Loans 0.50
Consumer Auto Loans 0.39
Small Business Loans 0.00
Construction and Development Loans 7.47
Commercial Real Estate 29.39
Commercial and Industrial Loans 5.31
Farm Loans 1.41

Frequently Asked Questions About Guaranty Bank & Trust Company Of Delhi, Louisiana

Branches and Savings

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

Yes. It is covered under FDIC Certificate #19638.

Why does Guaranty Bank & Trust Company Of Delhi, Louisiana 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 & Trust Company Of Delhi, Louisiana CD rates not competitive?

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

Is Guaranty Bank & Trust Company Of Delhi, Louisiana a commercial bank?

Yes

Where are Guaranty Bank & Trust Company Of Delhi, Louisiana locations?

See branch locations nearby.

Is Guaranty Bank & Trust Company Of Delhi, Louisiana open on Saturdays?

Is Guaranty Bank & Trust Company Of Delhi, Louisiana open on Sundays?

What time does Guaranty Bank & Trust Company Of Delhi, Louisiana open?

What time does Guaranty Bank & Trust Company Of Delhi, Louisiana close?

Are Guaranty Bank & Trust Company Of Delhi, Louisiana ATMs Open 24/7?

Do Guaranty Bank & Trust Company Of Delhi, Louisiana ATMs accept cash deposits?

Can Guaranty Bank & Trust Company Of Delhi, Louisiana customers use other ATMs?

Do Guaranty Bank & Trust Company Of Delhi, Louisiana branches have notaries?

Will Guaranty Bank & Trust Company Of Delhi, Louisiana notarize my document?

What address for Guaranty Bank & Trust Company Of Delhi, Louisiana should I put for incoming ACH transfers?

Will the Guaranty Bank & Trust Company Of Delhi, Louisiana branch print checks?

Do Guaranty Bank & Trust Company Of Delhi, Louisiana checks expire?

Does Guaranty Bank & Trust Company Of Delhi, Louisiana require US citizenship to open account?

Can Guaranty Bank & Trust Company Of Delhi, Louisiana close my account?

Does Guaranty Bank & Trust Company Of Delhi, Louisiana Report to credit bureaus?

Does Guaranty Bank & Trust Company Of Delhi, Louisiana Use Equifax?

What is Guaranty Bank & Trust Company Of Delhi, Louisiana's ACH Routing Number?

What is Guaranty Bank & Trust Company Of Delhi, Louisiana's SWIFT code?

Products

Does Guaranty Bank & Trust Company Of Delhi, Louisiana offer mortgages?

Compare mortgage rates here.

Does Guaranty Bank & Trust Company Of Delhi, Louisiana offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Guaranty Bank & Trust Company Of Delhi, Louisiana offer personal loans?

Compare personal loan rates here.

Does Guaranty Bank & Trust Company Of Delhi, Louisiana offer student loans?

Will Guaranty Bank & Trust Company Of Delhi, Louisiana cash a check?

Will Guaranty Bank & Trust Company Of Delhi, Louisiana redeem a savings bond?

Does Guaranty Bank & Trust Company Of Delhi, Louisiana cash savings bonds?

Will Guaranty Bank & Trust Company Of Delhi, Louisiana cash money orders?

Can Guaranty Bank & Trust Company Of Delhi, Louisiana issue a money order?

Does Guaranty Bank & Trust Company Of Delhi, Louisiana do currency exchange?

Background on The Bank

Who owns Guaranty Bank & Trust Company Of Delhi, Louisiana?

How long has Guaranty Bank & Trust Company Of Delhi, Louisiana been around?

Can Guaranty Bank & Trust Company Of Delhi, Louisiana transfer to other banks?

Does Guaranty Bank & Trust Company Of Delhi, Louisiana have quick pay?

Does Guaranty Bank & Trust Company Of Delhi, Louisiana accept rolled coins?

Will Guaranty Bank & Trust Company Of Delhi, Louisiana accept loose change?

Where is Guaranty Bank & Trust Company Of Delhi, Louisiana headquarters?

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