BlastPoint's Banking Scorecard
Guaranty Bank
Community
Specialty: Commercial
MO
FDIC cert 58892
Springfield, MO
1484
banks in Community tier nationally
62 in MO
View Community leaderboard (MO) →
Guaranty Bank 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
- - Credit Risk Growth: Bottom 17% in Community
- - Margin Compression: Bottom 22% in Community
- - Liquidity Strain: Bottom 38% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.4B
+3.2% YoY
-1.4% QoQ
|
+$1.0B |
$1.4B
+2.0% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
85% |
| Total Loans ? |
$1.8B
+2.8% YoY
-1.5% QoQ
|
+$867.1M |
$975.5M
+2.4% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
Top 13% in tier |
| Total Deposits ? |
$1.8B
+0.5% YoY
-0.1% QoQ
|
+$669.0M |
$1.2B
+1.7% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
82% |
| Return on Assets ? |
1.00%
-11.0% YoY
+4.3% QoQ
|
-0.17% |
1.16%
+17.2% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
38% |
| Net Interest Margin ? |
2.86%
+3.0% YoY
+2.8% QoQ
|
-0.81% |
3.66%
+9.1% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
Bottom 13% in tier |
| Efficiency Ratio ? |
63.60%
+4.2% YoY
+3.5% QoQ
|
+0.97% |
62.63%
-5.3% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
46% |
| Delinquency Rate ? |
0.88%
+32.4% YoY
-14.9% QoQ
|
+0.25% |
0.63%
+18.3% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
29% |
| Loan-to-Deposit Ratio ? |
100.49%
+2.3% YoY
-1.4% QoQ
|
+17.43% |
83.06%
+0.3% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
Bottom 12% in tier |
| Non-Interest-Bearing Deposit Share ? |
15.89%
+9.8% YoY
+5.0% QoQ
|
-5.15% |
21.05%
-0.9% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
30% |
| Nonperforming Asset Ratio ? |
0.69%
+33.1% YoY
-12.2% QoQ
|
+0.20% |
0.50%
+20.3% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
29% |
| Tier 1 Capital Ratio ? |
12.98%
-0.8% YoY
+0.2% QoQ
|
+2.73% |
10.24%
-0.6% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
57% |
| Non-Interest Income / Assets ? |
0.70%
-12.8% YoY
+27.7% QoQ
|
-0.04% |
0.74%
-1.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
71% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Credit Risk Growth
risk
#108 of 642 · Bottom 17% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
Margin Compression
decline
#27 of 120 · Bottom 22% in Community
Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Why this signature
Return on Assets:
1.00%
(Tier: 1.16%, National: 1.12%)
120 of 120 Community banks match
·
147 nationally
→ Stable
-9 banks QoQ
|
QoQ rank declining
Liquidity Strain
risk
#197 of 513 · Bottom 38% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
100.49%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
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
87
87th pctile
Total Loans
Current: $1.8B · Tier avg: $975.5M
85
85th pctile
Total Assets
Current: $2.4B · Tier avg: $1.4B
82
82th pctile
Total Deposits
Current: $1.8B · Tier avg: $1.2B
71
71th pctile
Non-Interest Income / Assets
Current: 0.70% · Tier avg: 0.74%
57
57th pctile
Tier 1 Capital Ratio
Current: 12.98% · Tier avg: 10.24%
46
46th pctile
Efficiency Ratio
Current: 63.60% · Tier avg: 62.63%
38
38th pctile
Return on Assets
Current: 1.00% · Tier avg: 1.16%
30
30th pctile
Non-Interest-Bearing Deposit Share
Current: 15.89% · Tier avg: 21.05%
29
29th pctile
Nonperforming Asset Ratio
Current: 0.69% · Tier avg: 0.50%
29
29th pctile
Delinquency Rate
Current: 0.88% · Tier avg: 0.63%
13
13th pctile
Net Interest Margin
Current: 2.86% · Tier avg: 3.66%
12
12th pctile
Loan-to-Deposit Ratio
Current: 100.49% · Tier avg: 83.06%
Top Weaknesses
12
12th pctile
Loan-to-Deposit Ratio
Current: 100.49% · Tier avg: 83.06%
13
13th pctile
Net Interest Margin
Current: 2.86% · Tier avg: 3.66%
29
29th pctile
Delinquency Rate
Current: 0.88% · Tier avg: 0.63%
29
29th pctile
Nonperforming Asset Ratio
Current: 0.69% · Tier avg: 0.50%
30
30th pctile
Non-Interest-Bearing Deposit Share
Current: 15.89% · Tier avg: 21.05%
38
38th pctile
Return on Assets
Current: 1.00% · Tier avg: 1.16%
46
46th pctile
Efficiency Ratio
Current: 63.60% · Tier avg: 62.63%
57
57th pctile
Tier 1 Capital Ratio
Current: 12.98% · Tier avg: 10.24%
71
71th pctile
Non-Interest Income / Assets
Current: 0.70% · Tier avg: 0.74%
82
82th pctile
Total Deposits
Current: $1.8B · Tier avg: $1.2B
85
85th pctile
Total Assets
Current: $2.4B · Tier avg: $1.4B
87
87th pctile
Total Loans
Current: $1.8B · Tier avg: $975.5M