Is Guaranty Bank&Trust N A Safe?
Guaranty Bank&Trust N A has a Bank Health Score of 86/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (99/100), while liquidity is its weakest area (63/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 14.82% | 99/100 |
| Nonperforming Loan Ratio | 0.28% | 94/100 |
| Liquidity Ratio | 20.80% | 63/100 |
| Return on Assets | 1.24% | 70/100 |
| Total Assets | $3.1B | |
How does Guaranty Bank&Trust N A compare?
With a Bank Health Score of 86/100, Guaranty Bank&Trust N A sits 16.0 points above the national average of 70/100 for FDIC-insured banks. Within Texas, where 321 FDIC-insured banks are headquartered, Guaranty Bank&Trust N A ranks above the state average of 74/100 (Grade B).
The bank's Tier 1 capital ratio of 14.82% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.28% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Guaranty Bank&Trust N A's Bank Health Score improved by 2.0 points to 86/100. Tier 1 capital strengthened by 0.82 percentage points to 14.82%. Quarter-over-quarter, the score rose by 3.0 points.
Guaranty Bank&Trust N A has a Bank Health Score of 86/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (99/100), while liquidity is its weakest area (63/100).