🏦Bank Scorer

GUARANTY BANK AND TRUST COMPANY

BELZONI, MS · Supervised by FDIC

Est. 1943FDIC #15,953RSSD: FDIC-15953
Part ofGUARANTY CAPITAL CORP→ View all charters
Satisfactory Same

Current rating · Exam: January 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.91%

Institution Profile

FDIC BankFind

Address

210 N Hayden St, BELZONI, MS

County

Humphreys County

Established

May 17, 1943

Total Assets

$3.0B(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

January 1, 2024

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Jan 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$3.0B

Total Deposits

$2.7B

Net Loans

$2.1B

Net Income

$7M

ROA

0.91%

ROE

8.12%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

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

Mortgage Denial Rate14.83%Peer avg: 9.91%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

40

Branch Deposits

$2.4B

1-Year Change

+3

5-year net change: +19 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20241,20072.5%14.83%
202379464.74%20.40%
202281174.48%11.22%
202198373.45%12.31%
202093173.9%14.07%
201953772.63%15.83%
20181,21870.69%21.02%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

10 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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