Guaranty Bank and Trust Company
Belzoni, MS
IDRSSD: 84541
Total Assets
$2.91B
Latest filing
Total Deposits
$2.55B
Latest filing
Net Interest Margin
4.10%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Guaranty Bank and Trust Company
210 N Hayden St
Belzoni, MS 39038
Full Service - Brick and Mortar
Updated 01/30/2026Established 05/17/1943FDIC Certificate 10184
Branches (42)
Page 1 of 6| Name | Address | City / State |
|---|---|---|
| Guaranty Bank and Trust Company (Main) | 210 N Hayden St | Belzoni, MS |
| IUKA BRANCH | 1251 First American Dr | Iuka, MS |
| BELMONT MAIN BRANCH | 362 2nd St | Belmont, MS |
| VICKSBURG | 1900 Cherry St | Vicksburg,, MS |
| GREENVILLE MAIN BRANCH | 536 Washington Ave | Greenville, MS |
| GREENVILLE SOUTH SHOP. CTR. BRANCH | 2300 Highway 1 S | Greenville, MS |
| HOLLANDALE BRANCH | 201 East Ave S | Hollandale, MS |
| BURNSVILLE BRANCH | 1 Fulton St | Burnsville, MS |
Showing 7 of 42
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| 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 | 01/30/2026 |
| CERT | 15953 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $2.91B |
| Total Deposits | $2.55B |
| Total Liabilities | $2.58B |
| Total Equity Capital | $331.94M |
| Net Income | $7.97M |
| Net Loans and Leases | $2.03B |
| Assets Per Employee ($Millions) | $5.98M |
| Bank Premises and Fixed Assets | $69.15M |
| Cash and Balances due from Depository Institutions | $122.48M |
| Deposits Held in Domestic Offices | $2.55B |
Key Performance Ratios
| Return on Assets (ROA) | 1.08% |
| Return on Equity (ROE) | 9.72% |
| Net Interest Margin | 4.1% |
| Efficiency Ratio | 61.15% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.45% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.394% |
| Earning Assets to total Assets | 91.33% |
Income and Expense
| Total Interest Income | $43.21M |
| Total Noninterest Income | $7.53M |
| Total Interest Expense | $15.70M |
| Total Noninterest Expense | $22.03M |
| Net Interest Income | $27.51M |
| Pre-tax Net Operating Income | $9.68M |
| Provision for Credit Losses | $3.33M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $6.84M |
| Other borrowed funds | $2.34M |
| Federal Funds Sold & Reverse Repurchase Agreement | $2.39M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $27.15M |
| Total Liabilities and Capital | $2.91B |
Securities
| Securities | $557.57M |
| Available-for-sale debt securities | $419.21M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $138.44M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Guaranty Bank and Trust Company?
$2.91B as of the latest filing.
How much are Guaranty Bank and Trust Company's total deposits?
$2.55B in total deposits.
Where is Guaranty Bank and Trust Company located?
Belzoni, MS.
What is the Net Interest Margin?
4.10%.
How many domestic offices does it operate?
43.
When was it established?
05/17/1943.
What is the Return on Assets (ROA)?
1.08%.
How much are total loans and leases?
$2.03B (latest filing).
What is the total interest income (latest filing)?
$43.21M.