This institution is no longer active

Operations ceased on December 1, 1997. CRA examination history below reflects the period it was active.

GUARANTY BANK & TRUST COMPANY OF MORGAN CITY

MORGAN CITY, LA · Supervised by FDIC

Est. 1966FDIC #19,558RSSD: FDIC-19558

Part ofGUARANTY BANCSHARES HOLDING→ View all charters

Satisfactory Same

Current rating · Exam: April 1995

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.89%

Institution Profile

FDIC BankFind

Address

1201 Brashear Avenue, MORGAN CITY, LA

County

St. Mary County

Established

February 26, 1966

Total Assets

$65M(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

April 1, 1995

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 31 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 Q3 1997Call Report / FDIC

Total Assets

$65M

Total Deposits

$51M

Net Loans

$37M

Net Income

$436K

ROA

0.89%

ROE

10.16%

Risk-Based Capital

14.72%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 2 exams

1 previous rating locked — dating back to 1993

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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