🏦Bank Scorer

This institution is no longer active

Operations ceased on October 1, 2025. CRA examination history below reflects the period it was active.

GUARANTY BOND BANK

MOUNT PLEASANT, TX · Supervised by FDIC

Est. 1913FDIC #1,208RSSD: FDIC-1208
Part ofGUARANTY BANCSHARES INC→ View all charters
Satisfactory Up

Current rating · Exam: May 2011

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.98%

Institution Profile

FDIC BankFind

Address

100 W Arkansas St, MOUNT PLEASANT, TX

County

Titus County

Established

January 17, 1913

Total Assets

$3.1B(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

May 1, 2011

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 15 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 2025Call Report / FDIC

Total Assets

$3.1B

Total Deposits

$2.7B

Net Loans

$2.1B

Net Income

$23M

ROA

0.98%

ROE

8.58%

Risk-Based Capital

16.06%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

34

Branch Deposits

$2.7B

1-Year Change

0

5-year net change: +3 branches

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

8 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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