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Overview / Commentary
1331 17th Street
Denver, CO 80202

Guaranty Bank and Trust Company (CO) is headquartered in Denver and is the 6th largest bank in the state of Colorado. It is also the 369th largest bank in the nation. It was established in 1955 and as of March of 2014, it had grown to 350 employees at 27 locations. Guaranty Bank and Trust Company (CO) has a A+ health rating.

Reviews (1)

Horrific Customer Service.

I really hate Guaranty Bank. I am defiantly switching ASAP. I am a seventeen year old who has been going to the exact same bank for 5 years. I have a job and a car and I have payments to make and necessities to buy. Guaranty Bank wouldn't let me cash my check today even though I have never had problems cashing my check before. Their excuse? That since I have a minor account, I had to have a parent counter sign. I don't care if that is true or not. Why did they spring this on me now? Why not when I FIRST started cashing my checks? My job is to earn my money. A banks job is to make it available to me. If you are old enough to work you should be old enough to cash your check.



Health

Data for Q1 2014

Institution Health

A+

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Guaranty Bank and Trust Company (CO) had $18.44 million in non-current loans and owned real-estate with $232.82 million in equity and loan loss allowances on hand to cover it. This gives Guaranty Bank and Trust Company (CO) a Texas Ratio of 7.92% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A+

The Texas Ratio for Guaranty Bank and Trust Company (CO) decreased dramatically from 17.38% as of March 31, 2013 to 7.92% as of March 31, 2014, resulting in a positive change of 54.42%.This indicates that the balance sheet and financial strength for Guaranty Bank and Trust Company (CO) has improved dramatically in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Guaranty Bank and Trust Company (CO) has increased its total deposits by $88.65 million, resulting in 6.12% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Guaranty Bank and Trust Company (CO) has shown is excellent.

Capitalization

GRADE:
A

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Guaranty Bank and Trust Company (CO) has $1.96 billion in assets with $232.82 million in equity, resulting in a capitalization level of 11.90%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #17482
Year Established1955
Employees350
Primary RegulatorFED
Assets and Liabilities
Assets$1.96 billion
Loans$1.34 billion
Deposits$1.54 billion
Equity Capital$211.28 million
Loan Loss Allowance$21.55 million
Unbacked Noncurrent Loans$14.13 million
Real Estate Owned$4.31 million
Historic Data - March 2013
Assets$1.83 billion
Equity Capital$204.14 million
Loan Loss Allowance$24.06 million
Unbacked Noncurrent Loans$14.13 million
Real Estate Owned$8.61 million
Profit Margin - Quarterly
Net Interest Margin3.74%
Return on Assets0.8%
Return on Equity7.48%
Interest Income$17.88 million
Rates

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Locations

Guaranty Bank and Trust Company (CO) has 28 locations. Click to view all Guaranty Bank and Trust Company (CO) locations.