Guaranty Bank Inc.
Williamson, WV
IDRSSD: 706236
Total Assets
$147.45M
Latest filing
Total Deposits
$123.49M
Latest filing
Net Interest Margin
4.63%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
051501817WILLIAMSON, WV
Key People
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Locations
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Main Office
Guaranty Bank Inc.
10 Commerce Dr
Williamson, WV 25661
Full Service - Brick and Mortar
Updated 01/30/2026Established 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 | 37 |
| 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 | 01/30/2026 |
| CERT | 22273 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $147.45M |
| Total Deposits | $123.49M |
| Total Liabilities | $127.17M |
| Total Equity Capital | $20.28M |
| Net Income | $254.00k |
| Net Loans and Leases | $119.06M |
| Assets Per Employee ($Millions) | $3.78M |
| Bank Premises and Fixed Assets | $2.19M |
| Cash and Balances due from Depository Institutions | $5.16M |
| Deposits Held in Domestic Offices | $123.49M |
Key Performance Ratios
| Return on Assets (ROA) | 0.7% |
| Return on Equity (ROE) | 5.05% |
| Net Interest Margin | 4.63% |
| Efficiency Ratio | 80.28% |
| Tier 1 Risk-Based Capital Ratio | 17.654% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.07% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 13.752% |
| Earning Assets to total Assets | 94.31% |
Income and Expense
| Total Interest Income | $2.30M |
| Total Noninterest Income | $124.00k |
| Total Interest Expense | $718.00k |
| Total Noninterest Expense | $1.37M |
| Net Interest Income | $1.58M |
| Pre-tax Net Operating Income | $311.00k |
| Provision for Credit Losses | $25.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $80.00k |
| Other borrowed funds | $2.43M |
| Federal Funds Sold & Reverse Repurchase Agreement | $4.52M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.26M |
| Total Liabilities and Capital | $147.45M |
Securities
| Securities | $13.95M |
| Available-for-sale debt securities | $13.95M |
| Equity securities with readily determinable fair values not held for trading | — |
| 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.?
$147.45M as of the latest filing.
How much are Guaranty Bank Inc.'s total deposits?
$123.49M in total deposits.
Where is Guaranty Bank Inc. located?
Williamson, WV.
What is the Net Interest Margin?
4.63%.
How many domestic offices does it operate?
3.
When was it established?
05/17/1976.
What is the Return on Assets (ROA)?
0.7%.
How much are total loans and leases?
$119.06M (latest filing).
What is the total interest income (latest filing)?
$2.30M.