GUARANTY BANK&TRUST N A
MOUNT PLEASANT, TEXAS · FDIC Cert #1208
Capital & Safety Analysis
According to FDIC financial data, GUARANTY BANK&TRUST N A holds a Tier 1 capital ratio of 14.82%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning GUARANTY BANK&TRUST N A has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
GUARANTY BANK&TRUST N A shows strong financial health indicators. With $3.1B in assets and a Health Score of 86/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
GUARANTY BANK&TRUST N A has a Bank Health Score of A (86/100). It holds a Tier 1 capital ratio of 14.82%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
GUARANTY BANK&TRUST N A holds $3.1B in total assets and $2.6B in total deposits. It is located in MOUNT PLEASANT, TEXAS (FDIC Certificate #1208).
GUARANTY BANK&TRUST N A has a Tier 1 capital ratio of 14.82%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 0.28%, and the return on assets is 1.24%.
Yes. GUARANTY BANK&TRUST N A is FDIC-insured (Certificate #1208). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.