Advertisement
Guaranty Bank Inc.
Williamson, WV · FDIC Certificate #22273 · Chartered 05/1
Total assets
$152.39M
Total deposits
$126.45M
Total equity
$20.24M
Net loans
$115.24M
Branches (offices)
5
Net income (YTD)
$200.00K
Rank: #3,289 of 4,213 U.S. banks by assets · #34 of 41 in West Virginia. Assets changed 8.1% and deposits 7.5% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.27% |
| Return on equity | 1.98% |
| Net interest margin (YTD) | 4.30% |
| Equity to assets | 13.28% |
| Tier 1 leverage ratio | 13.62% |
| Uninsured deposits (share of deposits) | 6.7% |
| Noncurrent loans (share of loans) | 2.48% |
| Net charge-offs (share of loans) | 0.08% |
| Loans to deposits | 91.1% |
| Real estate loans (share of loans) | 89.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $102.52M | 89.0% | |
| Commercial & industrial | $9.73M | 8.4% | |
| Consumer / individual | $4.94M | 4.3% | |
| Construction & development | $7.91M | 6.9% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $125.29M | $105.77M | $707.00K | $14.15M |
| Jun 2023 | $138.97M | $115.50M | $869.00K | $17.37M |
| Jun 2024 | $141.01M | $117.34M | $599.00K | $18.25M |
| Jun 2025 | $140.92M | $117.68M | $549.00K | $19.51M |
| Jun 2026 | $152.39M | $126.45M | $200.00K | $20.24M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| West Virginia | $126.45M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $126.45M.
Similar-sized banks
Bank Of Whittier, National Association ($152.61M) · Colfax Banking Company ($152.32M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
Advertisement