Guaranty Bank Inc.: how it compares with its peers
Against 17 WV banks with half to twice its assets, Guaranty Bank Inc.'s strongest measure in Q2 2026 is net interest margin (4.30% vs. a 3.92% peer median). Its weakest relative measure is return on assets (0.27% vs. 0.99%).
| Measure | Guaranty Bank Inc. | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.27% | 0.99% | Bottom third Ahead of 6% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.30% | 3.92% | Top third Ahead of 82% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 90.35% | 67.97% | Bottom third Ahead of 6% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $3.7M | $5.3M | Bottom third Ahead of 6% of peers |
| Loans to deposits Net loans and leases over total deposits. | 91.14% | 72.89% | Context |
What it means for lending operations
Its efficiency ratio of 90.35% is above the 67.97% 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
- The Fayette County National Bank of Fayetteville Fayetteville, WV · $158M
- The Harrison County Bank Lost Creek, WV · $165M
- Whitesville State Bank Whitesville, WV · $138M
- Clay County Bank, Inc. Clay, WV · $136M
- The First National Bank of Williamson Williamson, WV · $120M
- Pioneer Community Bank, Inc. Iaeger, WV · $191M
Questions about Guaranty Bank Inc.
How big is Guaranty Bank Inc.?
Guaranty Bank Inc., established in 1976, is headquartered in Williamson, WV. It reported $152M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is Guaranty Bank Inc.'s return on assets?
0.27% annualized in Q2 2026, against a 0.99% median for 17 WV banks with half to twice its assets, ahead of 6% of them.
What is Guaranty Bank Inc.'s efficiency ratio?
90.35% in Q2 2026: it spent about 90 cents in noninterest expense for each dollar of revenue. The peer median is 67.97%, and lower is better.
Is Guaranty Bank Inc. growing its loans?
Net loans shrank 0.7% over the year to Q2 2026, while deposits grew 7.5%.
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 WV 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 West Virginia bank ranked.