Institution Class	Commercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary Regulator	FDIC
Established Date	05/17/1943
Community Bank	Yes
Ownership Type	Not Mutual
ZIP	39038
State and County Number	28053
Subchapter S Corporations	No
Trust Powers	Full Trust Powers Granted
Federal Reserve ID Number	08
Numeric code	21
Insured by FDIC	Institutions that are currently open and insured by the FDIC
Federal Reserve District	Dallas
Core Based Statistical Area Name	N/A

Operational Info

Number of Employees	458
Domestic Offices	43
Foreign Offices	0
US Offices	0
Directly owned by another bank (CERT)	No
Last Structure Change Effective Date	09/20/2024
Date of Deposit Insurance	05/17/1943
Primary Insurance Agency	DIF
Website	www.gbtonline.com
Data Updated	11/14/2025
CERT	15953
Office of The Comptroller District:	—
Office of Thrift Supervision Region	N/A

Financial Summary

Total Assets	$2.97B
Total Deposits	$2.43B
Total Liabilities	$2.65B
Total Equity Capital	$324.26M
Net Income	$7.91M
Net Loans and Leases	$2.02B
Assets Per Employee ($Millions)	$6.49M
Bank Premises and Fixed Assets	$68.09M
Cash and Balances due from Depository Institutions	$180.33M
Deposits Held in Domestic Offices	$2.43B

Return on Assets (ROA)	1.09%
Return on Equity (ROE)	9.89%
Net Interest Margin	4.14%
Efficiency Ratio	62.66%
Tier 1 Risk-Based Capital Ratio	0%
Net Loans and Leases to Core Deposits	0%
Credit Loss Provision to Assets	0.28%
Cash Dividends to Net Income (YTD Only)	0%
Equity Capital to Assets	10.904%
Earning Assets to total Assets	91.25%

Total Interest Income	$43.00M
Total Noninterest Income	$7.25M
Total Interest Expense	$15.52M
Total Noninterest Expense	$22.36M
Net Interest Income	$27.48M
Pre-tax Net Operating Income	$10.34M
Provision for Credit Losses	$2.03M
Discontinued Operations (Extraordinary Gains - Net)	$0

Goodwill and Other Intangibles	$0
All Other Assets	$0
Other Real Estate Owned	$7.34M
Other borrowed funds	$192.66M
Federal Funds Sold & Reverse Repurchase Agreement	$2.42M
Federal Funds Purchased and Repurchased Agreement	$0
All Other Liabilities	$27.60M
Total Liabilities and Capital	$2.97B

Securities	$568.11M
Available-for-sale debt securities	$428.00M
Equity securities with readily determinable fair values not held for trading	$0
Held-to-maturity securities	$140.19M
Subordinated Debt	$0
Trading Account Assets	$0
Trading Liabilities	$0

What are the total assets of Guaranty Bank and Trust Company?

$2.97B as of the latest filing.

How much are Guaranty Bank and Trust Company's total deposits?

$2.43B in total deposits.

Where is Guaranty Bank and Trust Company located?

Belzoni, MS.

What is the Net Interest Margin?

4.14%.

How many domestic offices does it operate?

43.

When was it established?

05/17/1943.

What is the Return on Assets (ROA)?

1.09%.

How much are total loans and leases?

$2.02B (latest filing).

What is the total interest income (latest filing)?

$43.00M.