Guaranty Bank and Trust Company: how it compares with its peers
Against 497 U.S. banks with half to twice its assets, Guaranty Bank and Trust Company's strongest measure in Q2 2026 is net interest margin (4.21% vs. a 3.68% peer median). Its weakest relative measure is assets per employee ($6.3M vs. $9.0M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.11% | 1.26% | Middle third Ahead of 38% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.21% | 3.68% | Top third Ahead of 79% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 60.90% | 58.63% | Middle third Ahead of 42% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.3M | $9.0M | Bottom third Ahead of 13% of peers |
| Loans to deposits Net loans and leases over total deposits. | 82.07% | 88.04% | Context |
What it means for lending operations
Its efficiency ratio of 60.90% is above the 58.63% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Midwest BankCentre Lemay, MO · $3.07B
- CB&S Bank, Inc. Russellville, AL · $3.07B
- Penn Community Bank Doylestown, PA · $3.07B
- BankNewport Middletown, RI · $3.07B
- Lawrence Bank Nashville, TN · $3.04B
- The National Bank of Indianapolis Indianapolis, IN · $3.04B
Questions about Guaranty Bank and Trust Company
How big is Guaranty Bank and Trust Company?
Guaranty Bank and Trust Company, established in 1943, is headquartered in Belzoni, MS. It reported $3.07B in total assets in its Q2 2026 FDIC call report and operates 42 offices.
What is Guaranty Bank and Trust Company's return on assets?
1.11% annualized in Q2 2026, against a 1.26% median for 497 U.S. banks with half to twice its assets, ahead of 38% of them.
What is Guaranty Bank and Trust Company's efficiency ratio?
60.90% in Q2 2026: it spent about 61 cents in noninterest expense for each dollar of revenue. The peer median is 58.63%, and lower is better.
Is Guaranty Bank and Trust Company growing its loans?
Net loans grew 9.0% over the year to Q2 2026, while deposits grew 11.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Mississippi bank ranked.