Guaranty State Bank and Trust Company
Beloit, KS
IDRSSD: 1009756
Total Assets
$390.44M
Latest filing
Total Deposits
$329.61M
Latest filing
Net Interest Margin
3.24%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
101101879BELOIT, KS
Key People
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Locations
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Main Office
Guaranty State Bank and Trust Company
201 S Mill St
Beloit, KS 67420
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/23/1922FDIC Certificate 6985
Branches (8)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Guaranty State Bank and Trust Company (Main) | 201 S Mill St | Beloit, KS |
| JAMESTOWN BRANCH | 301 Walnut St | Jamestown, KS |
| GLEN ELDER BRANCH | 101 South Mill | Glen Elder, KS |
| MOTOR BANK BRANCH | 202 S Main St | Smith Center, KS |
| BURR OAK BRANCH | 121 S Main St | Burr Oak, KS |
| SMITH CENTER BRANCH | 133 S Main St | Smith Center, KS |
| ESBON BRANCH | 501 Grand Ave | Esbon, KS |
| JEWELL BRANCH | 120 South Washington | Jewell, KS |
Showing 7 of 8
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 | 01/23/1922 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 67420 |
| State and County Number | 20123 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 10 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 59 |
| Domestic Offices | 9 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/02/1934 |
| Primary Insurance Agency | DIF |
| Website | www.guarantystate.com |
| Data Updated | 01/30/2026 |
| CERT | 10907 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $390.44M |
| Total Deposits | $329.61M |
| Total Liabilities | $351.65M |
| Total Equity Capital | $38.78M |
| Net Income | $607.00k |
| Net Loans and Leases | $269.32M |
| Assets Per Employee ($Millions) | $6.62M |
| Bank Premises and Fixed Assets | $1.23M |
| Cash and Balances due from Depository Institutions | $0 |
| Deposits Held in Domestic Offices | $329.61M |
Key Performance Ratios
| Return on Assets (ROA) | 0.63% |
| Return on Equity (ROE) | 6.36% |
| Net Interest Margin | 3.24% |
| Efficiency Ratio | 72.3% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.15% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.933% |
| Earning Assets to total Assets | 95.61% |
Income and Expense
| Total Interest Income | $4.92M |
| Total Noninterest Income | $454.00k |
| Total Interest Expense | $1.95M |
| Total Noninterest Expense | $2.50M |
| Net Interest Income | $2.97M |
| Pre-tax Net Operating Income | $781.00k |
| Provision for Credit Losses | $145.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $18.84M |
| Federal Funds Sold & Reverse Repurchase Agreement | $134.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $3.21M |
| Total Liabilities and Capital | $390.44M |
Securities
| Securities | $100.66M |
| Available-for-sale debt securities | $100.59M |
| 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 State Bank and Trust Company?
$390.44M as of the latest filing.
How much are Guaranty State Bank and Trust Company's total deposits?
$329.61M in total deposits.
Where is Guaranty State Bank and Trust Company located?
Beloit, KS.
What is the Net Interest Margin?
3.24%.
How many domestic offices does it operate?
9.
When was it established?
01/23/1922.
What is the Return on Assets (ROA)?
0.63%.
How much are total loans and leases?
$269.32M (latest filing).
What is the total interest income (latest filing)?
$4.92M.