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This institution is no longer active

Operations ceased on July 12, 2002. CRA examination history below reflects the period it was active.

GUARANTY BANK & TRUST

KANSAS CITY, KS · Supervised by FDIC

Est. 1919FDIC #5,827RSSD: FDIC-5827
Part ofVALLEY VIEW BANCSHARES INC→ View all charters
Satisfactory Down

Current rating · Exam: March 1999

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.20%

Institution Profile

FDIC BankFind

Address

1000 Minnesota Avenue, KANSAS CITY, KS

County

Wyandotte County

Established

January 1, 1919

Total Assets

$171M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

March 1, 1999

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 27 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q2 2002Call Report / FDIC

Total Assets

$171M

Total Deposits

$130M

Net Loans

$119M

Net Income

$1M

ROA

1.20%

ROE

9.48%

Risk-Based Capital

13.38%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate9.46%Peer avg: 7.63%▼ Below avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202457177.93%9.46%
202364177.38%9.52%
20221,01379.76%8.49%
20211,35878.13%10.09%
20201,52277.86%7.49%
20191,09377.13%9.15%
20181,04880.06%8.40%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

3 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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