BlastPoint's Banking Scorecard
Guaranty Bank and Trust Company
Micro
Specialty: Commercial
LA
FDIC cert 17767
Designations: ✓ Community bank
New Roads, LA
2498
banks in Micro tier nationally
66 in LA
View Micro leaderboard (LA) →
Guaranty Bank and Trust Company faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.92% above tier
- - Nonperforming Asset Ratio 2.40% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$306.6M
-0.2% YoY
+2.9% QoQ
|
+$89.1M |
$217.5M
+2.3% YoY
|
$757.6M
+4.2% YoY
|
$5.9B
+6.5% YoY
|
73% |
| Total Loans ? |
$219.6M
+2.6% YoY
-2.5% QoQ
|
+$80.5M |
$139.2M
+2.8% YoY
|
$510.8M
+1.6% YoY
|
$3.1B
+8.5% YoY
|
79% |
| Total Deposits ? |
$264.4M
-1.6% YoY
+3.2% QoQ
|
+$80.7M |
$183.7M
+1.8% YoY
|
$647.1M
+4.0% YoY
|
$4.7B
+6.3% YoY
|
74% |
| Return on Assets ? |
1.09%
-8.7% YoY
-7.2% QoQ
|
0 |
1.08%
+14.7% YoY
|
1.09%
+11.0% YoY
|
1.12%
+15.6% YoY
|
52% |
| Net Interest Margin ? |
4.91%
+6.0% YoY
+0.1% QoQ
|
+1.06% |
3.85%
+6.6% YoY
|
4.11%
+6.6% YoY
|
3.75%
+7.1% YoY
|
Top 11% in tier |
| Efficiency Ratio ? |
66.67%
-1.1% YoY
+2.2% QoQ
|
-1.05% |
67.73%
-4.8% YoY
|
68.99%
-3.0% YoY
|
65.09%
-5.1% YoY
|
49% |
| Delinquency Rate ? |
3.56%
+76.4% YoY
+11.6% QoQ
|
+2.92% |
0.64%
+24.4% YoY
|
1.20%
-3.6% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
83.08%
+4.3% YoY
-5.5% QoQ
|
+8.55% |
74.53%
+0.5% YoY
|
76.53%
+1.5% YoY
|
78.04%
+0.7% YoY
|
36% |
| Non-Interest-Bearing Deposit Share ? |
27.90%
-7.2% YoY
+5.8% QoQ
|
+5.51% |
22.39%
-1.3% YoY
|
23.36%
-2.3% YoY
|
21.79%
-1.3% YoY
|
73% |
| Nonperforming Asset Ratio ? |
2.85%
+71.7% YoY
+4.7% QoQ
|
+2.40% |
0.45%
+25.1% YoY
|
0.96%
+1.0% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
20.63%
-7.0% YoY
+3.3% QoQ
|
+11.77% |
8.85%
-3.4% YoY
|
8.68%
-5.6% YoY
|
9.75%
-1.9% YoY
|
Top 13% in tier |
| Non-Interest Income / Assets ? |
0.13%
-65.5% YoY
-26.9% QoQ
|
-0.43% |
0.56%
+0.3% YoY
|
0.55%
-11.7% YoY
|
0.65%
+0.6% YoY
|
Bottom 12% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
3.56%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
2.85%
(Tier avg: 0.45%, 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
89
89th pctile
Net Interest Margin
Current: 4.91% · Tier avg: 3.85%
87
87th pctile
Tier 1 Capital Ratio
Current: 20.63% · Tier avg: 8.85%
79
79th pctile
Total Loans
Current: $219.6M · Tier avg: $139.2M
74
74th pctile
Total Deposits
Current: $264.4M · Tier avg: $183.7M
73
73th pctile
Total Assets
Current: $306.6M · Tier avg: $217.5M
73
73th pctile
Non-Interest-Bearing Deposit Share
Current: 27.90% · Tier avg: 22.39%
52
52th pctile
Return on Assets
Current: 1.09% · Tier avg: 1.08%
49
49th pctile
Efficiency Ratio
Current: 66.67% · Tier avg: 67.73%
36
36th pctile
Loan-to-Deposit Ratio
Current: 83.08% · Tier avg: 74.53%
12
12th pctile
Non-Interest Income / Assets
Current: 0.13% · Tier avg: 0.56%
0
0th pctile
Delinquency Rate
Current: 3.56% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 2.85% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 2.85% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 3.56% · Tier avg: 0.64%
12
12th pctile
Non-Interest Income / Assets
Current: 0.13% · Tier avg: 0.56%
36
36th pctile
Loan-to-Deposit Ratio
Current: 83.08% · Tier avg: 74.53%
49
49th pctile
Efficiency Ratio
Current: 66.67% · Tier avg: 67.73%
52
52th pctile
Return on Assets
Current: 1.09% · Tier avg: 1.08%
73
73th pctile
Non-Interest-Bearing Deposit Share
Current: 27.90% · Tier avg: 22.39%
73
73th pctile
Total Assets
Current: $306.6M · Tier avg: $217.5M
74
74th pctile
Total Deposits
Current: $264.4M · Tier avg: $183.7M
79
79th pctile
Total Loans
Current: $219.6M · Tier avg: $139.2M
87
87th pctile
Tier 1 Capital Ratio
Current: 20.63% · Tier avg: 8.85%
89
89th pctile
Net Interest Margin
Current: 4.91% · Tier avg: 3.85%