BlastPoint's Banking Scorecard
Guaranty Bank & Trust Company of Delhi, Louisiana
Micro
Specialty: Commercial
LA
FDIC cert 19638
Designations: ✓ Community bank
Delhi, LA
2498
banks in Micro tier nationally
66 in LA
View Micro leaderboard (LA) →
Guaranty Bank & Trust Company of Delhi, Louisiana 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 2.70% above tier
- - Nonperforming Asset Ratio 2.21% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$467.0M
+10.3% YoY
+4.1% QoQ
|
+$249.5M |
$217.5M
+2.3% YoY
|
$757.6M
+4.2% YoY
|
$5.9B
+6.5% YoY
|
Top 4% in tier |
| Total Loans ? |
$332.0M
+4.1% YoY
+0.7% QoQ
|
+$192.8M |
$139.2M
+2.8% YoY
|
$510.8M
+1.6% YoY
|
$3.1B
+8.5% YoY
|
Top 4% in tier |
| Total Deposits ? |
$402.8M
+12.1% YoY
+5.2% QoQ
|
+$219.1M |
$183.7M
+1.8% YoY
|
$647.1M
+4.0% YoY
|
$4.7B
+6.3% YoY
|
Top 3% in tier |
| Return on Assets ? |
1.63%
-13.6% YoY
-4.0% QoQ
|
+0.55% |
1.08%
+14.7% YoY
|
1.09%
+11.0% YoY
|
1.12%
+15.6% YoY
|
80% |
| Net Interest Margin ? |
4.04%
-5.0% YoY
-0.2% QoQ
|
+0.19% |
3.85%
+6.6% YoY
|
4.11%
+6.6% YoY
|
3.75%
+7.1% YoY
|
60% |
| Efficiency Ratio ? |
57.48%
-1.0% YoY
+1.4% QoQ
|
-10.25% |
67.73%
-4.8% YoY
|
68.99%
-3.0% YoY
|
65.09%
-5.1% YoY
|
74% |
| Delinquency Rate ? |
3.34%
+157.8% YoY
+17.9% QoQ
|
+2.70% |
0.64%
+24.4% YoY
|
1.20%
-3.6% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
82.43%
-7.1% YoY
-4.3% QoQ
|
+7.90% |
74.53%
+0.5% YoY
|
76.53%
+1.5% YoY
|
78.04%
+0.7% YoY
|
63% |
| Non-Interest-Bearing Deposit Share ? |
23.08%
-6.1% YoY
-1.3% QoQ
|
+0.69% |
22.39%
-1.3% YoY
|
23.36%
-2.3% YoY
|
21.79%
-1.3% YoY
|
56% |
| Nonperforming Asset Ratio ? |
2.66%
+161.2% YoY
+26.5% QoQ
|
+2.21% |
0.45%
+25.1% YoY
|
0.96%
+1.0% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
14.25%
+2.8% YoY
-2.8% QoQ
|
+5.40% |
8.85%
-3.4% YoY
|
8.68%
-5.6% YoY
|
9.75%
-1.9% YoY
|
69% |
| Non-Interest Income / Assets ? |
0.37%
-18.8% YoY
+39.1% QoQ
|
-0.19% |
0.56%
+0.3% YoY
|
0.55%
-11.7% YoY
|
0.65%
+0.6% YoY
|
52% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
3.34%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
2.66%
(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
97
97th pctile
Total Deposits
Current: $402.8M · Tier avg: $183.7M
96
96th pctile
Total Loans
Current: $332.0M · Tier avg: $139.2M
96
96th pctile
Total Assets
Current: $467.0M · Tier avg: $217.5M
80
80th pctile
Return on Assets
Current: 1.63% · Tier avg: 1.08%
74
74th pctile
Efficiency Ratio
Current: 57.48% · Tier avg: 67.73%
69
69th pctile
Tier 1 Capital Ratio
Current: 14.25% · Tier avg: 8.85%
63
63th pctile
Loan-to-Deposit Ratio
Current: 82.43% · Tier avg: 74.53%
60
60th pctile
Net Interest Margin
Current: 4.04% · Tier avg: 3.85%
56
56th pctile
Non-Interest-Bearing Deposit Share
Current: 23.08% · Tier avg: 22.39%
52
52th pctile
Non-Interest Income / Assets
Current: 0.37% · Tier avg: 0.56%
0
0th pctile
Delinquency Rate
Current: 3.34% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 2.66% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 2.66% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 3.34% · Tier avg: 0.64%
52
52th pctile
Non-Interest Income / Assets
Current: 0.37% · Tier avg: 0.56%
56
56th pctile
Non-Interest-Bearing Deposit Share
Current: 23.08% · Tier avg: 22.39%
60
60th pctile
Net Interest Margin
Current: 4.04% · Tier avg: 3.85%
63
63th pctile
Loan-to-Deposit Ratio
Current: 82.43% · Tier avg: 74.53%
69
69th pctile
Tier 1 Capital Ratio
Current: 14.25% · Tier avg: 8.85%
74
74th pctile
Efficiency Ratio
Current: 57.48% · Tier avg: 67.73%
80
80th pctile
Return on Assets
Current: 1.63% · Tier avg: 1.08%
96
96th pctile
Total Assets
Current: $467.0M · Tier avg: $217.5M
96
96th pctile
Total Loans
Current: $332.0M · Tier avg: $139.2M
97
97th pctile
Total Deposits
Current: $402.8M · Tier avg: $183.7M