Guaranty State Bank&Trust Co (FDIC #10907): Bank Stress & Real-Estate Credit Exposure
Guaranty State Bank&Trust Co (FDIC Cert #10907): bank stress 69/100, elevated, STABLE over 7 days; parent GUARANTY INC.
Guaranty State Bank&Trust Co (#10907) lends in 4 counties across 1 state; Guaranty State Bank&Trust Co (#10907) reaches 32 ZIP codes: Kansas 4 counties, 32 ZIPs.
Guaranty State Bank&Trust Co (#10907) largest markets: Jewell County, KS (42 branches, 14 ZIPs) (#10907), Smith County, KS (20 branches, 10 ZIPs) (#10907), Cloud County, KS (8 branches, 8 ZIPs) (#10907), Mitchell County, KS (21 branches, 7 ZIPs) (#10907).
Guaranty State Bank&Trust Co (#10907) reports $381.4 million in total assets; Guaranty State Bank&Trust Co (#10907) equity $39.1 million (10.3% of Guaranty State Bank&Trust Co (#10907) assets); Guaranty State Bank&Trust Co (#10907) domestic deposits $324.6 million; Guaranty State Bank&Trust Co (#10907) net income $2.0 million; Guaranty State Bank&Trust Co (#10907) return on assets 1.05%; Guaranty State Bank&Trust Co (#10907) return on equity 10.45%; Guaranty State Bank&Trust Co (#10907) net interest income $6.1 million; Guaranty State Bank&Trust Co (#10907) call report June 30, 2026.
Guaranty State Bank&Trust Co (#10907) noncurrent real-estate loans: none reported; Guaranty State Bank&Trust Co (#10907) net charge-offs on real estate 0.89%; Guaranty State Bank&Trust Co (#10907) residential charge-offs 1.62%.
Guaranty State Bank&Trust Co (#10907) net interest margin 3.29% against an eight-quarter Guaranty State Bank&Trust Co (#10907) average of 3.08% (Guaranty State Bank&Trust Co (#10907) compression -0.21 points); Guaranty State Bank&Trust Co (#10907) non-residential real estate 162.4% of equity; Guaranty State Bank&Trust Co (#10907) rate-exposure score 40/100, Guaranty State Bank&Trust Co (#10907) fixed-rate trap 40/100; Guaranty State Bank&Trust Co (#10907) risk type credit driven; Guaranty State Bank&Trust Co (#10907) rate regime rates elevated, Guaranty State Bank&Trust Co (#10907) snapshot October 19, 2026.
Guaranty State Bank&Trust Co (#10907) stress score moved from 63.8 on June 22, 2026 to 68.7 on October 19, 2026; Guaranty State Bank&Trust Co (#10907) ranged 63.8 to 68.7 over 116 snapshots.
Guaranty State Bank&Trust Co (#10907) alerts: 4 counties; top Guaranty State Bank&Trust Co (#10907) alert scores: Jewell County, KS 51 (elevated); Jamestown County, KS 22 (low); Smith Center County, KS 22 (low); Tipton County, KS 22 (low).