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Overview / Commentary
302 Third Avenue, S.E.
Cedar Rapids, IA 52406

Guaranty Bank and Trust Company is headquartered in Cedar Rapids and is the 78th largest bank in the state of Iowa. It is also the 2,662nd largest bank in the nation. It was established in 1934 and as of December of 2013, it had grown to 60 employees at 6 locations. Guaranty Bank and Trust Company's savings rates are 92% higher than the national average, and it has a A health rating.

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Health

Data for Q4 2013

Institution Health

A

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Guaranty Bank and Trust Company had $250,000 in non-current loans and owned real-estate with $26.56 million in equity and loan loss allowances on hand to cover it. This gives Guaranty Bank and Trust Company a Texas Ratio of 0.94% 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 decreased dramatically from 1.61% as of December 31, 2012 to 0.94% as of December 31, 2013, resulting in a positive change of 41.52%.This indicates that the balance sheet and financial strength for Guaranty Bank and Trust Company has improved dramatically in recent periods.

Deposit Growth

GRADE:
B

In the past year, Guaranty Bank and Trust Company has increased its total deposits by $234,000, resulting in 0.12% 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 has shown is above average.

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 has $237.47 million in assets with $26.56 million in equity, resulting in a capitalization level of 11.19%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #14704
Year Established1934
Employees60
Primary RegulatorFDIC
Assets and Liabilities
Assets$237.47 million
Loans$145.95 million
Deposits$189.69 million
Equity Capital$24.78 million
Loan Loss Allowance$1.78 million
Unbacked Noncurrent Loans$179,000
Real Estate Owned$71,000
Historic Data - December 2012
Assets$239.33 million
Equity Capital$25.04 million
Loan Loss Allowance$1.43 million
Unbacked Noncurrent Loans$179,000
Real Estate Owned$145,000
Profit Margin - Quarterly
Net Interest Margin3.67%
Return on Assets0.81%
Return on Equity7.79%
Interest Income$9.17 million
Rates
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Guaranty Bank and Trust Company Savings Account Rates

DetailsAPYMINMAXPRODUCT
1.00%--Health Savings Account
0.25%$100-IRA Savings
0.05%$100-Variable Rate Savings
0.05%$100-Business Variable Rate Savings

Guaranty Bank and Trust Company Money Market Rates

DetailsAPYMINMAXPRODUCT
0.30%$100k-Money Market Hi Yield (Personal)
0.30%$100k-Money Market Hi Yield (Business)
0.10%$1k-Money Market Deposit Account

Guaranty Bank and Trust Company Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.20%$100k-Guaranty Plus Checking
0.05%$100-Personal NOW
0.05%--Basic Business Checking with Interest
0.00%$100-Guaranty Checking
Locations


Guaranty Bank and Trust Company Locations
42nd Street Branch1819 42nd Street, N.E.Cedar Rapids, IA 52402
Cedar Hills Branch191 Jacolyn Drive, N.W.Cedar Rapids, IA 52405
Bever Avenue Office2701 Bever AvenueCedar Rapids, IA 52403
Fairfax Office300 80th Street CourtFairfax, IA 52228
Guaranty Bank and Trust Company302 Third Avenue, S.E.Cedar Rapids, IA 52406
Marion Branch700 25th StreetMarion, IA 52302