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Guaranty Bank And Trust Company

IDRSSD: 289739
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Health Dashboard

Per-bank snapshot with peer-percentile metric grid + Quarterly Anomaly Alerts as of 2026-03-31. 2 alerts active.

Summary

RSSD 289739 held $323.0M in total assets as of 2026-03-31 (+5.4% quarter-over-quarter). Total loans stood at $215.6M (-1.9% QoQ) and total deposits at $280.2M (+6.0% QoQ).

Overall position is adequate — the composite Health Score is 55/100 (Adequate). Tier 1 / RWA stands at 21.12%, in the top quartile of peers. Asset quality (NPL ratio) sits in the bottom decile of peers.

2 Quarterly Anomaly Alerts fired this quarter. Review the alert list below for the specific Cliff Drop, Peer Outlier, and Threshold Crossing details.

Headline KPIs

Health Score
55/100
Adequate
Active Alerts
2
0 critical, 1 warning
Total Assets
$323.0M
+5.4% QoQ
Total Loans
$215.6M
-1.9% QoQ
Total Deposits
$280.2M
+6.0% QoQ

Quarterly Anomaly Alerts

Three triggers run against each metric every quarter: Cliff Drop (≥20-percentile QoQ slip), Peer Outlier (≥2σ from peer-group QoQ delta), and Threshold Crossing (supervisory + empirical bounds).

Peer-Percentile Metric Grid

Each tile shows the latest value, the bank's peer percentile, and a color band (top quartile = green; bottom decile = red). For ratios where lower is better (NPL %, Texas Ratio, MtM/T1, etc.), the percentile direction is inverted so green always means good.

Capital

Tier 1 / RWA
21.12%
79th pctile · n=262↑ better
+50 bp QoQ
CET1 / RWA
21.12%
89th pctile · n=500↑ better
+49 bp QoQ
Total RBC / RWA
22.33%
79th pctile · n=262↑ better
+55 bp QoQ
Tier 1 Leverage Ratio
21.12%
89th pctile · n=500↑ better
+49 bp QoQ

Liquidity

Cash / Assets
10.70%
70th pctile · n=500↑ better
+340 bp QoQ
Loans / Deposits
76.92%
46th pctile · n=494↓ better
-615 bp QoQ
Non-Core Funding Dependence
—
no peer group↓ better

Asset Quality

NPL / Loans
4.20%
98th pctile · n=500↓ better
+69 bp QoQ
NPA / Assets
3.03%
97th pctile · n=500↓ better
+18 bp QoQ
Texas Ratio (regulatory)
21.21%
96th pctile · n=500↓ better
+212 bp QoQ
Net Charge-Offs / Avg Loans
0.01%
61th pctile · n=500↓ better
ALLL Coverage of NPL
27.20%
18th pctile · n=500↑ better
-385 bp QoQ

Earnings

Net Interest Margin
4.84%
87th pctile · n=500↑ better
-15 bp QoQ
Return on Assets
1.30%
56th pctile · n=500↑ better
+46 bp QoQ
Return on Equity
9.77%
38th pctile · n=500↑ better
+359 bp QoQ
Efficiency Ratio
64.05%
51th pctile · n=500↓ better
-742 bp QoQ
Pre-tax NOI / Avg Assets
1.58%
59th pctile · n=500↑ better
+44 bp QoQ

Funding

Brokered / Deposits
0.00%
28th pctile · n=494↓ better
Core Deposits / Deposits
—
no peer group↑ better
FHLB Advances / Liabilities
0.00%
24th pctile · n=500↓ better

Securities

MtM Loss / Tier 1 (SVB metric)
—
no peer group↓ better
Securities / Assets
17.64%
49th pctile · n=500↑ better
+172 bp QoQ
AFS Securities / Assets
14.54%
50th pctile · n=500↑ better
-138 bp QoQ
HTM Securities / Assets
3.10%
86th pctile · n=500↑ better

Methodology

Health Score (0-100)
Unweighted average of every metric's peer percentile, with lower-is-better metrics inverted before averaging. Strong = ≥70, Adequate = 40-70, Weak = <40.
Peer group
Same asset-size bucket and charter type as the subject bank, computed nightly into PeerPercentile. Single-bank peer groups render as "no peer group" on the affected tiles.
Cliff Drop Alert
Triggered when a metric's peer percentile rank drops by ≥20 points vs the prior quarter. Direction-adjusted, so "dropping" always means moving toward the bottom of the rankings regardless of metric polarity.
Peer Outlier Alert
Triggered when the bank's QoQ change in a metric is more than 2 standard deviations away from the peer group's QoQ change distribution.
Threshold Crossing Alert
Triggered when a metric crosses one of a small set of supervisory or empirical thresholds (Tier 1/RWA < 8%, MtM/T1 > 40%, Texas Ratio > 50%, etc.). Critical-severity thresholds suppress the corresponding warning row for the same metric.
Source
FFIEC Call Report (RC, RC-A, RC-B, RC-C, RC-E, RC-K, RC-M, RC-N, RC-R, RI, RI-B) ingested nightly into CallReport_Financials and CallReport_FdicData. Visbanking's metric coloring and alert thresholds.

Generated: 2026-05-13 11:43:00 UTC