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Overview / Commentary
201 South Mill Street
Beloit, KS 67420

Guaranty State Bank and Trust Company is headquartered in Beloit and is the 51st largest bank in the state of Kansas. It is also the 2,281st largest bank in the nation. It was established in 1922 and as of December of 2017, it had grown to 56 employees at 7 locations. Guaranty State Bank and Trust Company has an A+ health rating.

Reviews (1)

Small-town Bank, Big City Service

Posted by: halchase | Feb 21, 2018

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 - YTD0.94%
Return on Equity - YTD7.94%
Annual Interest Income$12.8MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$287.6MM$279.3MM
LoansQ4 2017vs Q4 2016$250.8MM$248.9MM
DepositsQ4 2017vs Q4 2016$226.1MM$209.1MM
Equity CapitalQ4 2017vs Q4 2016$34.2MM$31.7MM
Loan Loss AllowanceQ4 2017vs Q4 2016$3.1MM$3.3MM
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$2.6MM$6.7MM
Real Estate OwnedQ4 2017vs Q4 2016$0$22.00K

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Guaranty State Bank and Trust Company Locations
Jewell Branch120 South WashingtonJewell, KS 66949
Burr Oak Branch121 South Main StreetBurr Oak, KS 66936
Guaranty State Bank and Trust Company201 South Mill StreetBeloit, KS 67420
Esbon Branch501 GrandEsbon, KS 66941
Smith Center Branch133 South Main StreetSmith Center, KS 66967
Motor Bank Branch202 South Main StreetSmith Center, KS 66967
Glen Elder Branch101 South MillGlen Elder, KS 67446