Guaranty Bank&Trust Co (FDIC #15953): Bank Stress & Real-Estate Credit Exposure
Guaranty Bank&Trust Co (FDIC Cert #15953): bank stress 64/100, elevated, STABLE over 7 days; parent GUARANTY CAPITAL CORP.
Guaranty Bank&Trust Co (#15953) lends in 23 counties across 2 states; Guaranty Bank&Trust Co (#15953) reaches 213 ZIP codes: Mississippi 21 counties, 160 ZIPs; Tennessee 2 counties, 53 ZIPs.
Guaranty Bank&Trust Co (#15953) largest markets: Shelby County, TN (82 branches, 41 ZIPs) (#15953), Bolivar County, MS (18 branches, 18 ZIPs) (#15953), Sunflower County, MS (16 branches, 16 ZIPs) (#15953), Lee County, MS (45 branches, 15 ZIPs) (#15953), Fayette County, TN (15 branches, 15 ZIPs) (#15953), Lafayette County, MS (52 branches, 13 ZIPs) (#15953).
Guaranty Bank&Trust Co (#15953) reports $3.07 billion in total assets; Guaranty Bank&Trust Co (#15953) equity $341.4 million (11.1% of Guaranty Bank&Trust Co (#15953) assets); Guaranty Bank&Trust Co (#15953) domestic deposits $2.65 billion; Guaranty Bank&Trust Co (#15953) net income $16.6 million; Guaranty Bank&Trust Co (#15953) return on assets 1.11%; Guaranty Bank&Trust Co (#15953) return on equity 9.91%; Guaranty Bank&Trust Co (#15953) net interest income $57.9 million; Guaranty Bank&Trust Co (#15953) call report June 30, 2026.
Guaranty Bank&Trust Co (#15953) noncurrent real-estate loans 0.02% of its book; Guaranty Bank&Trust Co (#15953) net charge-offs on real estate 1.53%; Guaranty Bank&Trust Co (#15953) residential charge-offs 1.28%.
Guaranty Bank&Trust Co (#15953) net interest margin 4.21% against an eight-quarter Guaranty Bank&Trust Co (#15953) average of 3.85% (Guaranty Bank&Trust Co (#15953) compression -0.36 points); Guaranty Bank&Trust Co (#15953) real-estate loans 2.1% of equity; Guaranty Bank&Trust Co (#15953) non-residential real estate 128.3% of equity; Guaranty Bank&Trust Co (#15953) rate-exposure score 40/100, Guaranty Bank&Trust Co (#15953) fixed-rate trap 40/100; Guaranty Bank&Trust Co (#15953) risk type credit driven; Guaranty Bank&Trust Co (#15953) rate regime rates elevated, Guaranty Bank&Trust Co (#15953) snapshot October 19, 2026.
Guaranty Bank&Trust Co (#15953) stress score moved from 66.9 on June 22, 2026 to 64.4 on October 19, 2026; Guaranty Bank&Trust Co (#15953) ranged 64.4 to 66.9 over 116 snapshots.
Guaranty Bank&Trust Co (#15953) alerts: 23 counties; top Guaranty Bank&Trust Co (#15953) alert scores: Pontotoc County, MS 42 (moderate); Tishomingo County, MS 37 (moderate); Grenada County, MS 37 (moderate); Amory County, MS 22 (low); Batesville County, MS 22 (low).