Guaranty State Bank and Trust Company

Overview / Commentary
201 South Mill Street
Beloit, KS 67420

Guaranty State Bank and Trust Company is headquartered in BELOIT and is the 53rd largest bank in the state of Kansas. It is also the 2,138th largest bank in the nation. It was established in 1922 and as of September of 2023, it had grown to 61 employees at 9 locations. Guaranty State Bank and Trust Company has a B+ health rating.

Reviews (1)

Small-town Bank, Big City Service

Posted by: |

I banked with the Guaranty State Bank for several years. They were always very friend and willing to work with their customers. There was a time where I faced financial hardship and through no fault of theirs, I had overdrawn my checking account. I was very embarrassed but the staff there were willing to work with me and make me feel like I was still a person that mattered to them. To this day, I have not forgotten how good they were to work with and how they helped me fix my account and stay out of financial ruin. Every time I went to deposit a check, the people there were super friendly as well and the tellers would often have friendly conversations with me about how school was going and later in life, how my job was going. I would highly recommend them, and the only reason I am not with them now is because I had to move to a bigger town for work.


Health Grade Components

FDIC Certificate #10907
Year Established1922
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.71%
Return on Equity - YTD9.05%
Annual Interest Income$11.9MM
Assets and Liabilities
AssetsQ3 2023vs Q3 2022$371.4MM$355.2MM
LoansQ3 2023vs Q3 2022$242.4MM$219.4MM
DepositsQ3 2023vs Q3 2022$296.3MM$292.2MM
Equity CapitalQ3 2023vs Q3 2022$27.1MM$27.3MM
Loan Loss AllowanceQ3 2023vs Q3 2022$3MM$3MM
Unbacked Noncurrent LoansQ3 2023vs Q3 2022$1.4MM$771K
Real Estate OwnedQ3 2023vs Q3 2022$0$0
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Guaranty State Bank and Trust Company Savings Account Rates

1.00%*-$50kKasasa Saver
OTHER TIERS: 0.30% $50k+

Guaranty State Bank and Trust Company Checking Account Rates

2.00%-$10kKasasa Cash Checking

Guaranty State Bank and Trust Company Locations
Jewell Branch120 South WashingtonJewell, KS 66949
Burr Oak Branch121 South Main StreetBurr Oak, KS 66936
Beloit Branch201 S Mill StBeloit, KS 67420
Esbon Branch501 GrandEsbon, KS 66941
Smith Center Branch133 South Main StreetSmith Center, KS 66967
Glen Elder Branch101 South MillGlen Elder, KS 67446
Jamestown Branch301 Walnut StJamestown, KS 66948
Tipton Branch509 Main StreetTipton, KS 67485

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