BlastPoint's Banking Scorecard
Guaranty Bank and Trust Company
Community
Specialty: Commercial
MS
FDIC cert 15953
Belzoni, MS
1484
banks in Community tier nationally
21 in MS
View Community leaderboard (MS) →
Guaranty Bank and Trust Company faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 24% in Community
- - Delinquency Rate 1.72% above tier
- - Nonperforming Asset Ratio 1.39% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.9B
+1.6% YoY
-2.0% QoQ
|
+$1.5B |
$1.4B
+2.0% YoY
|
$2.2B
+10.7% YoY
|
$5.9B
+6.5% YoY
|
Top 10% in tier |
| Total Loans ? |
$2.0B
+2.0% YoY
+0.6% QoQ
|
+$1.1B |
$975.5M
+2.4% YoY
|
$1.5B
+12.2% YoY
|
$3.1B
+8.5% YoY
|
Top 11% in tier |
| Total Deposits ? |
$2.6B
+10.5% YoY
+5.0% QoQ
|
+$1.4B |
$1.2B
+1.7% YoY
|
$1.9B
+9.4% YoY
|
$4.7B
+6.3% YoY
|
Top 9% in tier |
| Return on Assets ? |
1.10%
+25.3% YoY
-0.2% QoQ
|
-0.06% |
1.16%
+17.2% YoY
|
1.01%
-3.5% YoY
|
1.12%
+15.6% YoY
|
47% |
| Net Interest Margin ? |
4.04%
+17.8% YoY
+0.8% QoQ
|
+0.38% |
3.66%
+9.1% YoY
|
3.89%
+5.4% YoY
|
3.75%
+7.1% YoY
|
72% |
| Efficiency Ratio ? |
60.39%
-7.6% YoY
+0.4% QoQ
|
-2.24% |
62.63%
-5.3% YoY
|
68.70%
-1.6% YoY
|
65.09%
-5.1% YoY
|
55% |
| Delinquency Rate ? |
2.35%
+54.6% YoY
+26.1% QoQ
|
+1.72% |
0.63%
+18.3% YoY
|
0.98%
+32.9% YoY
|
0.66%
+20.3% YoY
|
Bottom 7% in tier |
| Loan-to-Deposit Ratio ? |
79.49%
-7.7% YoY
-4.3% QoQ
|
-3.57% |
83.06%
+0.3% YoY
|
71.82%
+2.7% YoY
|
78.04%
+0.7% YoY
|
63% |
| Non-Interest-Bearing Deposit Share ? |
18.89%
-10.8% YoY
-3.4% QoQ
|
-2.16% |
21.05%
-0.9% YoY
|
23.43%
+1.6% YoY
|
21.79%
-1.3% YoY
|
44% |
| Nonperforming Asset Ratio ? |
1.89%
+64.4% YoY
+23.6% QoQ
|
+1.39% |
0.50%
+20.3% YoY
|
0.61%
+16.2% YoY
|
0.48%
+20.8% YoY
|
Bottom 7% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
6.62%
-3.2% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.93%
+35.6% YoY
+41.6% QoQ
|
+0.19% |
0.74%
-1.3% YoY
|
0.73%
-13.2% YoY
|
0.65%
+0.6% YoY
|
84% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Capital Thin
risk
#103 of 432 · Bottom 24% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
Delinquency Rate
metric
Bottom 7%
in Community
Delinquency Rate is in the bottom decile (highest) of tier peers. Past-due loans are running well above peer levels - leading indicator of further charge-offs unless cured or worked out.
Why this stands out
Current:
2.35%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 7%
in Community
Non-Performing Asset Ratio is in the bottom decile (highest) of tier peers. Problem assets are pressuring earnings and capital - watch reserve coverage and OREO trends.
Why this stands out
Current:
1.89%
(Tier avg: 0.50%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
91
91th pctile
Total Deposits
Current: $2.6B · Tier avg: $1.2B
90
90th pctile
Total Assets
Current: $2.9B · Tier avg: $1.4B
89
89th pctile
Total Loans
Current: $2.0B · Tier avg: $975.5M
84
84th pctile
Non-Interest Income / Assets
Current: 0.93% · Tier avg: 0.74%
72
72th pctile
Net Interest Margin
Current: 4.04% · Tier avg: 3.66%
63
63th pctile
Loan-to-Deposit Ratio
Current: 79.49% · Tier avg: 83.06%
55
55th pctile
Efficiency Ratio
Current: 60.39% · Tier avg: 62.63%
47
47th pctile
Return on Assets
Current: 1.10% · Tier avg: 1.16%
44
44th pctile
Non-Interest-Bearing Deposit Share
Current: 18.89% · Tier avg: 21.05%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
7
7th pctile
Delinquency Rate
Current: 2.35% · Tier avg: 0.63%
7
7th pctile
Nonperforming Asset Ratio
Current: 1.89% · Tier avg: 0.50%
Top Weaknesses
7
7th pctile
Nonperforming Asset Ratio
Current: 1.89% · Tier avg: 0.50%
7
7th pctile
Delinquency Rate
Current: 2.35% · Tier avg: 0.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
44
44th pctile
Non-Interest-Bearing Deposit Share
Current: 18.89% · Tier avg: 21.05%
47
47th pctile
Return on Assets
Current: 1.10% · Tier avg: 1.16%
55
55th pctile
Efficiency Ratio
Current: 60.39% · Tier avg: 62.63%
63
63th pctile
Loan-to-Deposit Ratio
Current: 79.49% · Tier avg: 83.06%
72
72th pctile
Net Interest Margin
Current: 4.04% · Tier avg: 3.66%
84
84th pctile
Non-Interest Income / Assets
Current: 0.93% · Tier avg: 0.74%
89
89th pctile
Total Loans
Current: $2.0B · Tier avg: $975.5M
90
90th pctile
Total Assets
Current: $2.9B · Tier avg: $1.4B
91
91th pctile
Total Deposits
Current: $2.6B · Tier avg: $1.2B