Guaranty Bank Inc (FDIC #22273): Bank Stress & Real-Estate Credit Exposure
Guaranty Bank Inc (FDIC Cert #22273): bank stress 74/100, elevated, STABLE over 7 days.
Guaranty Bank Inc (#22273) lends in 3 counties across 1 state; Guaranty Bank Inc (#22273) reaches 84 ZIP codes: West Virginia 3 counties, 84 ZIPs.
Guaranty Bank Inc (#22273) largest markets: Kanawha County, WV (48 branches, 48 ZIPs) (#22273), Mingo County, WV (60 branches, 20 ZIPs) (#22273), Wayne County, WV (17 branches, 17 ZIPs) (#22273).
Guaranty Bank Inc (#22273) reports $152.4 million in total assets; Guaranty Bank Inc (#22273) equity $20.2 million (13.3% of Guaranty Bank Inc (#22273) assets); Guaranty Bank Inc (#22273) domestic deposits $126.4 million; Guaranty Bank Inc (#22273) net income $200,000; Guaranty Bank Inc (#22273) return on assets 0.27%; Guaranty Bank Inc (#22273) return on equity 1.98%; Guaranty Bank Inc (#22273) net interest income $3.0 million; Guaranty Bank Inc (#22273) call report June 30, 2026.
Guaranty Bank Inc (#22273) noncurrent real-estate loans 0.07% of its book; Guaranty Bank Inc (#22273) residential 0.38%; Guaranty Bank Inc (#22273) net charge-offs on real estate 2.69%; Guaranty Bank Inc (#22273) residential charge-offs 1.97%.
Guaranty Bank Inc (#22273) net interest margin 4.30% against an eight-quarter Guaranty Bank Inc (#22273) average of 4.47% (Guaranty Bank Inc (#22273) compression 0.16 points); Guaranty Bank Inc (#22273) real-estate loans 7.4% of equity; Guaranty Bank Inc (#22273) non-residential real estate 197.0% of equity; Guaranty Bank Inc (#22273) rate-exposure score 40/100, Guaranty Bank Inc (#22273) fixed-rate trap 40/100; Guaranty Bank Inc (#22273) risk type credit driven; Guaranty Bank Inc (#22273) rate regime rates elevated, Guaranty Bank Inc (#22273) snapshot October 19, 2026.
Guaranty Bank Inc (#22273) stress score moved from 70.1 on June 22, 2026 to 73.6 on October 19, 2026; Guaranty Bank Inc (#22273) ranged 70.1 to 73.6 over 116 snapshots.
Guaranty Bank Inc (#22273) alerts: 3 counties; top Guaranty Bank Inc (#22273) alert scores: Wayne County, WV 28 (low); Charleston County, WV 23 (low); Williamson County, WV 23 (low).