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Overview / Commentary
417-520-4333
1341 West Battlefield
Springfield, MO 65807

Guaranty Bank is headquartered in Springfield and is the 37th largest bank in the state of Missouri. It is also the 1,087th largest bank in the nation. It was established in 1891 and as of December of 2013, it had grown to 164 employees at 9 locations. Guaranty Bank has a C+ health rating.

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Health

Data for Q4 2013

Institution Health

C+

Texas Ratio

GRADE:
C+

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 had $19.67 million in non-current loans and owned real-estate with $70.71 million in equity and loan loss allowances on hand to cover it. This gives Guaranty Bank a Texas Ratio of 27.82% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for Guaranty Bank experienced no significant changes from 27.28% as of December 31, 2012 to 27.82% as of December 31, 2013, resulting in a negative change of 1.98%. This indicates that the balance sheet and financial strength for Guaranty Bank has had no significant changes in recent periods.

Deposit Growth

GRADE:
C

In the past year, Guaranty Bank has decreased its total deposits by -$12.45 million, resulting in -2.48% 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 has shown is 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 has $619.08 million in assets with $70.71 million in equity, resulting in a capitalization level of 11.42%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #28670
Year Established1891
Employees164
Primary RegulatorFDIC
Assets and Liabilities
Assets$619.08 million
Loans$465.00 million
Deposits$488.69 million
Equity Capital$62.91 million
Loan Loss Allowance$7.80 million
Unbacked Noncurrent Loans$15.85 million
Real Estate Owned$3.82 million
Historic Data - December 2012
Assets$659.25 million
Equity Capital$64.07 million
Loan Loss Allowance$8.74 million
Unbacked Noncurrent Loans$15.85 million
Real Estate Owned$4.53 million
Profit Margin - Quarterly
Net Interest Margin3.59%
Return on Assets0.96%
Return on Equity9.78%
Interest Income$25.86 million
Rates

Always verify rates and promotions with the bank or credit union. We are not Guaranty Bank, we are a rate comparison website and can not provide official rates or promotions.

Guaranty Bank Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.30%$100k-Health Savings Account
0.15%--Savings Account
0.15%--Minor Statement Savings
0.15%--Christmas Club
0.15%--Vacation Club

Guaranty Bank Money Market Rates

DetailsAPYMINMAXPRODUCT
0.35%$500k-Money Market Savings

Guaranty Bank Checking Account Rates

DetailsAPYMINMAXPRODUCT
2.00%-$15kGuaranty Advantage Checking
0.22%$50k-Eagle Checking
0.20%$100k-Business Interest Checking
0.01%--Guaranty Advantage Checking

Guaranty Bank CD Rates

DetailsAPYMINMAXPRODUCT
1.35%$1k-72 Month CD
1.20%$1k-60 Month CD
0.91%$1k-48 Month CD
0.66%$1k-36 Month CD
0.56%$1k-24 Month CD
0.40%$1k-18 Month CD
0.37%$1k-12 Month CD
0.24%$1k-6 Month CD
0.09%$1k-3 Month CD

Guaranty Bank IRA Rates

DetailsAPYMINMAXPRODUCT
0.56%$25-IRA Open Certificate
Locations


Guaranty Bank Locations
Guaranty Bank1341 West BattlefieldSpringfield, MO 65807
1510 E Sunshine Branch1510 East SunshineSpringfield, MO 65804
Guaranty Bank - North Ozark Branch1701 West State Highway JOzark, MO 65721
West Kearney Branch1909 West KearneySpringfield, MO 65803
2109 N Glenstone Branch2109 North GlenstoneSpringfield, MO 65803
Guaranty Bank - Republic Road Branch Office2155 West Republic RoadSpringfield, MO 65807
Guaranty Bank Nixa Highway Cc291 East Highway CcNixa, MO 65714
4343 South National Avenue Branch4343 South National AvenueSpringfield, MO 65810
Guaranty Bank - South Nixa Office709 West Mount Vernon StreetNixa, MO 65714