Guaranty Bank Inc.
Williamson, WV
IDRSSD: 706236
Total Assets
$142.47M
Latest filing
Total Deposits
$118.76M
Latest filing
Net Interest Margin
5.01%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Guaranty Bank Inc.
10 Commerce Dr
Williamson, WV 25661
Full Service - Brick and Mortar
Updated 11/14/2025Established 05/17/1976FDIC Certificate 15485
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Guaranty Bank Inc. (Main) | 10 Commerce Dr | Williamson, WV |
| DELBARTON BRANCH | U.S. Highway 52 And State Route 65 | Delbarton, WV |
| GILBERT BRANCH | 82 Second Avenue | Gilbert, WV |
Showing 2 of 2
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 | 05/17/1976 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 25661 |
| State and County Number | 54059 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 05 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 39 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 11/12/2024 |
| Date of Deposit Insurance | 05/17/1976 |
| Primary Insurance Agency | DIF |
| Website | www.Guarantybank.us |
| Data Updated | 11/14/2025 |
| CERT | 22273 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $142.47M |
| Total Deposits | $118.76M |
| Total Liabilities | $122.50M |
| Total Equity Capital | $19.97M |
| Net Income | $310.00k |
| Net Loans and Leases | $116.54M |
| Assets Per Employee ($Millions) | $3.85M |
| Bank Premises and Fixed Assets | $2.23M |
| Cash and Balances due from Depository Institutions | $4.02M |
| Deposits Held in Domestic Offices | $118.76M |
Key Performance Ratios
| Return on Assets (ROA) | 0.88% |
| Return on Equity (ROE) | 6.28% |
| Net Interest Margin | 5.01% |
| Efficiency Ratio | 77.72% |
| Tier 1 Risk-Based Capital Ratio | 17.923% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 14.016% |
| Earning Assets to total Assets | 94.04% |
Income and Expense
| Total Interest Income | $2.35M |
| Total Noninterest Income | $136.00k |
| Total Interest Expense | $681.00k |
| Total Noninterest Expense | $1.41M |
| Net Interest Income | $1.67M |
| Pre-tax Net Operating Income | $403.00k |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $2.46M |
| Federal Funds Sold & Reverse Repurchase Agreement | $4.62M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.28M |
| Total Liabilities and Capital | $142.47M |
Securities
| Securities | $12.43M |
| Available-for-sale debt securities | $12.43M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Guaranty Bank Inc.?
$142.47M as of the latest filing.
How much are Guaranty Bank Inc.'s total deposits?
$118.76M in total deposits.
Where is Guaranty Bank Inc. located?
Williamson, WV.
What is the Net Interest Margin?
5.01%.
How many domestic offices does it operate?
3.
When was it established?
05/17/1976.
What is the Return on Assets (ROA)?
0.88%.
How much are total loans and leases?
$116.54M (latest filing).
What is the total interest income (latest filing)?
$2.35M.