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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Williamson, WV · FDIC certificate #22273
GUARANTY BANK INC is an FDIC-insured institution based in Williamson, WV (FDIC certificate #22273). In its Q3 2026 Call Report it reported total assets of $165M, total deposits of $137M and net loans of $124M. Its primary federal regulator is FDIC.
Plain-language readout
GUARANTY BANK INC has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $165M in Q3 2026 and were lowest at $149M in Q1 2026.
Total deposits were highest at $137M in Q3 2026 and lowest at $125M in Q1 2026.
Over the whole period total assets rose 11.1%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $165M | $137M | $124M | 0.31% | 2.36% | 4.30% |
| Q2 2026 | $152M | $126M | $115M | 0.27% | 1.98% | 4.30% |
| Q1 2026 | $149M | $125M | $117M | 0.30% | 2.18% | 4.28% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $5.5M | $6.9M | -$1.4M | -19.9% |
| Federal funds sold | $5.1M | $1.9M | +$3.2M | +172.3% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $19.8M | $18.5M | +$1.4M | +7.3% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $115.2M | $116.8M | -$1.6M | -1.3% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $4.5M | $2.3M | +$2.2M | +93.9% |
| Other real estate owned | $80K | $80K | $0K | 0.0% |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $2.1M | $2.3M | -$184K | -8.0% |
| Total assets | $152.4M | $148.7M | +$3.7M | +2.5% |
| Liabilities | ||||
| Total deposits | $126.4M | $125.0M | +$1.5M | +1.2% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $2.4M | $2.4M | -$36K | -1.5% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $3.3M | $1.2M | +$2.1M | +176.8% |
| Total liabilities | $132.1M | $128.6M | +$3.6M | +2.8% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $1.5M | $1.5M | +$12K | +0.8% |
| Surplus | $9.2M | $9.0M | +$178K | +2.0% |
| Retained earnings | $9.7M | $9.8M | -$62K | -0.6% |
| Accumulated other comprehensive income | -$196K | -$130K | -$66K | -50.8% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $20.2M | $20.2M | +$62K | +0.3% |
| Credit and capital | ||||
| Gross nonperforming assets | $3.0M | $2.4M | +$590K | +24.7% |
| Adjusted nonperforming assets | $3.0M | $2.4M | +$590K | +24.7% |
| Tangible equity plus allowance | $22.2M | $22.1M | +$118K | +0.5% |
| Texas ratio (gross) | 13.44% | 10.84% | +2.60 pts | See points |
| Texas ratio (adjusted) | 13.44% | 10.84% | +2.60 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 13.44% | 10.84% | +2.60 pts | See points |
| Tier 1 capital to risk-weighted assets | 17.97% | 17.91% | +0.06 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 17.97% | 17.91% | +0.06 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.26% | 1.26% | -0.00 pts | See points |
| Total risk-based capital to risk-weighted assets | 19.23% | 19.17% | +0.06 pts | See points |
| Tier 1 leverage (approximate) | 13.62% | 13.76% | -0.14 pts | See points |
| Construction and land loans to total capital | 36.18% | 33.86% | +2.32 pts | See points |
| Commercial real estate to total capital | 238.59% | 251.17% | -12.58 pts | See points |
| Dividend payout, year to date | 151.00% | 136.36% | +14.64 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -1.30% | -0.87% | -0.44 pts | See points |
| Liquidity | ||||
| Core deposits | $100.6M | $99.7M | +$935K | +0.9% |
| Non-core funding | $28.2M | $27.6M | +$518K | +1.9% |
| Loans to core deposits | 116.44% | 119.03% | -2.60 pts | See points |
| Loans to deposits | 92.68% | 94.99% | -2.31 pts | See points |
| Brokered deposits share of deposits | 13.48% | 13.63% | -0.15 pts | See points |
| Pledged securities share of securities | 5.02% | 5.41% | -0.38 pts | See points |
| Loans pledged, share of loans | 2.01% | 2.02% | -0.00 pts | See points |
| Volatile liabilities | $28.2M | $27.6M | +$518K | +1.9% |
| Earnings | ||||
| Earnings before provision, year to date | $314K | $199K | +$115K | +57.8% |
| Earnings before provision, single quarter | $115K | $199K | -$84K | -42.2% |
| Provision for credit losses, year to date | $55K | $55K | $0K | 0.0% |
| Yield and cost | ||||
| Yield on loans and leases | 6.65% | 6.60% | +0.05 pts | See points |
| Yield on interest-bearing balances due from banks | 4.18% | 3.95% | +0.23 pts | See points |
| Total interest income to average assets | 6.05% | 6.04% | +0.00 pts | See points |
| Cost of interest-bearing transaction accounts | 0.39% | 0.28% | +0.11 pts | See points |
| Cost of savings and money market deposits | 0.90% | 0.77% | +0.13 pts | See points |
| Cost of time deposits | 3.53% | 3.50% | +0.03 pts | See points |
| Total interest expense to average assets | 1.99% | 1.99% | -0.00 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $165M | $137M | $124M | 0.31% | 2.36% | 4.30% |
| 2026-06-30 | $152M | $126M | $115M | 0.27% | 1.98% | 4.30% |
| 2026-03-31 | $149M | $125M | $117M | 0.30% | 2.18% | 4.28% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| WV | $117.7M | 0.25% | 52 | Continuing · -0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.