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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 76th largest bank in the state of Iowa. It is also the 2,600th largest bank in the nation. It was established in 1934 and as of June of 2014, it had grown to 59 employees at 6 locations. Guaranty Bank and Trust Company's savings rates are 92% higher than the national average, and it boasts a A+ health rating.

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Data for Q2 2014

Institution Health


Texas Ratio


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 June 30, 2014 Guaranty Bank and Trust Company had $221,000 in non-current loans and owned real-estate with $30.21 million in equity and loan loss allowances on hand to cover it. This gives Guaranty Bank and Trust Company a Texas Ratio of 0.73% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Guaranty Bank and Trust Company decreased dramatically from 1.49% as of June 30, 2013 to 0.73% as of June 30, 2014, resulting in a positive change of 50.88%.This indicates that the balance sheet and financial strength for Guaranty Bank and Trust Company has improved dramatically in recent periods.

Deposit Growth


In the past year, Guaranty Bank and Trust Company has increased its total deposits by $4.08 million, resulting in 2.18% 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.



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 $245.52 million in assets with $30.21 million in equity, resulting in a capitalization level of 12.30%, which is excellent.

Institution Statistics

FDIC Certificate #14704
Year Established1934
Primary RegulatorFDIC
Assets and Liabilities
Assets$245.52 million
Loans$153.52 million
Deposits$191.31 million
Equity Capital$28.33 million
Loan Loss Allowance$1.88 million
Unbacked Noncurrent Loans$150,000
Real Estate Owned$71,000
Historic Data - June 2013
Assets$236.70 million
Equity Capital$23.94 million
Loan Loss Allowance$1.64 million
Unbacked Noncurrent Loans$150,000
Real Estate Owned$145,000
Profit Margin - Quarterly
Return on Assets1.07%
Return on Equity9.81%
Interest Income$4.59 million
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Guaranty Bank and Trust Company Savings Account Rates

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

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

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

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