Guaranty Bank (FDIC #58892): Bank Stress & Real-Estate Credit Exposure
Guaranty Bank (FDIC Cert #58892): bank stress 48/100, moderate, STABLE over 7 days; parent QCR HOLDINGS INC (QCRH).
Guaranty Bank (#58892) lends in 4 counties across 1 state; Guaranty Bank (#58892) reaches 70 ZIP codes: Missouri 4 counties, 70 ZIPs.
Guaranty Bank (#58892) largest markets: Greene County, MO (138 branches, 23 ZIPs) (#58892), Christian County, MO (42 branches, 21 ZIPs) (#58892), Jasper County, MO (76 branches, 19 ZIPs) (#58892), Newton County, MO (15 branches, 15 ZIPs) (#58892).
Guaranty Bank (#58892) reports $2.38 billion in total assets; Guaranty Bank (#58892) equity $394.3 million (16.5% of Guaranty Bank (#58892) assets); Guaranty Bank (#58892) domestic deposits $1.88 billion; Guaranty Bank (#58892) net income $11.4 million; Guaranty Bank (#58892) return on assets 0.95%; Guaranty Bank (#58892) return on equity 5.82%; Guaranty Bank (#58892) net interest income $32.4 million; Guaranty Bank (#58892) call report June 30, 2026.
Guaranty Bank (#58892) noncurrent real-estate loans: none reported; Guaranty Bank (#58892) net charge-offs on real estate 0.65%; Guaranty Bank (#58892) multifamily charge-offs 0.58%; Guaranty Bank (#58892) residential charge-offs 0.59%.
Guaranty Bank (#58892) net interest margin 3.05% against an eight-quarter Guaranty Bank (#58892) average of 2.84% (Guaranty Bank (#58892) compression -0.21 points); Guaranty Bank (#58892) real-estate loans 0.1% of equity; Guaranty Bank (#58892) non-residential real estate 58.6% of equity; Guaranty Bank (#58892) rate-exposure score 40/100, Guaranty Bank (#58892) fixed-rate trap 40/100; Guaranty Bank (#58892) risk type credit driven; Guaranty Bank (#58892) rate regime rates elevated; Guaranty Bank (#58892) shares 7.1% below the 52-week high, Guaranty Bank (#58892) equity trend stable, Guaranty Bank (#58892) snapshot October 20, 2026.
Guaranty Bank (#58892) stress score moved from 42.3 on June 22, 2026 to 48.4 on October 20, 2026; Guaranty Bank (#58892) ranged 42.3 to 48.4 over 117 snapshots.
Guaranty Bank (#58892) alerts: 4 counties; top Guaranty Bank (#58892) alert scores: Ozark County, MO 25 (low); Joplin County, MO 18 (low); Neosho County, MO 18 (low); Springfield County, MO 18 (low).