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Guaranty State Bank And Trust Company
Beloit, KS · FDIC Certificate #10907 · Chartered 01/2
Total assets
$381.44M
Total deposits
$324.64M
Total equity
$39.10M
Net loans
$256.33M
Branches (offices)
9
Net income (YTD)
$2.02M
Rank: #2,141 of 4,213 U.S. banks by assets · #56 of 183 in Kansas. Assets changed 1.7% and deposits 4.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.05% |
| Return on equity | 10.45% |
| Net interest margin (YTD) | 3.29% |
| Equity to assets | 10.25% |
| Tier 1 leverage ratio | 11.60% |
| Uninsured deposits (share of deposits) | 26.1% |
| Noncurrent loans (share of loans) | 0.60% |
| Net charge-offs (share of loans) | -0.01% |
| Loans to deposits | 79.0% |
| Real estate loans (share of loans) | 55.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $141.50M | 55.2% | |
| Commercial & industrial | $25.53M | 10.0% | |
| Consumer / individual | $6.42M | 2.5% | |
| Construction & development | $0 | 0.0% | |
| Agricultural | $85.73M | 33.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $353.82M | $289.49M | $1.83M | $30.86M |
| Jun 2023 | $363.46M | $292.71M | $1.36M | $29.32M |
| Jun 2024 | $369.56M | $297.92M | $1.74M | $32.81M |
| Jun 2025 | $374.96M | $309.84M | $2.25M | $36.25M |
| Jun 2026 | $381.44M | $324.64M | $2.02M | $39.10M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kansas | $324.64M | 9 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $324.64M.
Similar-sized banks
First Federal Savings And Loan Association ($381.44M) · Esb Financial ($381.30M)
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.
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