Guaranty Bank

Guaranty Bank Locations
1341 W Battlefield St
Springfield, MO 65807-4101
417.520.4333
www.gbankmo.com

Guaranty Bank is headquartered in Springfield and is the 33rd largest bank in the state of Missouri. It is also the 978th largest bank in the nation. It was established in 1891 and as of September of 2011, it had grown to 180 employees at 9 locations. Guaranty Bank has a 3-star health rating.

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Guaranty Bank In MO Cuts Reward Checking Yield To 3.50% (Forum) - 6/29/2010

Guaranty Bank's Guaranty Advantage Checking yield fell from 4.00% to 3.50% APY. This applies to balances up to $30,000. Branches are located in the Missouri cities of Springfield, Nixa and Ozark.

High-Yield Reward Checking Account at Guaranty Bank in Missouri - 3/23/2009

Guaranty Bank is offering a reward checking account called Guaranty Advantage Checking. The account offers the following features if certain monthly requirements are met:5.00% APY on balances up to $30,0000.10% APY on balances over $30,0000.10% base rate...



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Guaranty Bank Checking Account Rates

ApyMinMaxProduct
3.00%-$15kGuaranty Advantage Checking

Rates updated: 2/11/2012

Data for Q3 2011


Institution Statistics


Guaranty Bank
FDIC Certificate #28670
BankRate ReportView
Year Established1891
Employees180
Primary RegulatorFDIC

Assets and Liabilities

Assets$672.29 million
Loans$485.67 million
Deposits$494.30 million
Equity Capital$67.65 million
Loan Loss Allowance$13.56 million
Unbacked Noncurrent Loans$23.60 million
Real Estate Owned$9.32 million

Historic Data - September 2010

Assets$704.39 million
Equity Capital$66.23 million
Loan Loss Allowance$12.54 million
Unbacked Noncurrent Loans$20.32 million
Real Estate Owned$18.01 million

Profit Margin - Quarterly

Net Interest Margin3.4%
Return on Assets0.6%
Return on Equity6.17%
Interest Income$22.90 million

Institution Health


Overall Score:
3 out of 5
3
Texas Ratio2
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 September 30, 2011 Guaranty Bank had $32.91 million in non-current loans and owned real-estate with $81.21 million in equity and loan loss allowances on hand to cover it. This gives Guaranty Bank a Texas Ratio of 40.53% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend4
The Texas Ratio for Guaranty Bank decreased slightly from 48.66% as of September 30, 2010 to 40.53% as of September 30, 2011, resulting in a positive change of 16.70%.This indicates that the balance sheet and financial strength for Guaranty Bank has improved slightly in recent periods.
Deposit Growth3
In the past year, Guaranty Bank has decreased its total deposits by -$1.31 million, resulting in -0.26% 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.
Capitalization5
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 $672.29 million in assets with $81.21 million in equity, resulting in a capitalization level of 12.08%, which is excellent.
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