Guaranty Bank and Trust Company
Belzoni, Mississippi, Humphreys County
$3.1B in total assets, the 430th largest of 4,309 US banks and 7th of 57 headquartered in Mississippi.
- FDIC certificate
- 15953
- Established
- 1943
- Owned by
- Guaranty Capital Corp
- Primary regulator
- FDIC
- Website
- www.gbtonline.com
At a glance
Compared with 10 banks headquartered in Mississippi with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $3.1B | 70% | $1.7B | |
| Loans | $2.2B | 70% | $1.1B | |
| Deposits | $2.6B | 70% | $1.5B | |
| Return on assets | 1.10% | 60% | 1.08% | |
| Net interest margin | 4.21% | 80% | 3.90% | |
| Efficiency ratio | 60.9% | 30% | 64.4% | |
| Equity to assets | 11.12% | 50% | 10.88% | |
| Loans to deposits | 83% | 70% | 80% |
Growth
Total assets grew 17.7% a year over the last 5 years and 16.5% a year over 10 years, including 3 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Sep 2024 | Oxford University Bank Oxford, MS, an affiliate under the same holding company | $232M |
| Oct 2023 | First American National Bank Iuka, MS | $378M |
| Nov 2019 | First Alliance Bank Cordova, TN | $142M |
| Aug 1998 | Bank of Hollandale Hollandale, MS | $56M |
Where they operate
39 branches in 23 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Washington County, MS | $425M | 33.3% | 1 of 8 |
| Humphreys County, MS | $342M | 78.2% | 1 of 3 |
| Tishomingo County, MS | $226M | 51.7% | 1 of 4 |
| Desoto County, MS | $217M | 4.8% | 7 of 20 |
| Shelby County, TN | $180M | 0.5% | 23 of 33 |
| Lafayette County, MS | $166M | 7.6% | 5 of 17 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 25 branches since 2016 (14 to 39, +178.6%). 10 opened, 17 acquired, 2 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 14 | |||
| 2016 | Opened Grenada and Southaven | 2 | 0 | +2 | 16 |
| 2018 | Opened Greenwood | 1 | 0 | +1 | 17 |
| 2019 | Acquired First Alliance BankOpened Ridgeland | 5 | 0 | +5 | 22 |
| 2021 | Opened 3 in Mississippi | 3 | 0 | +3 | 25 |
| 2022 | Opened Oxford | 2 | 0 | +2 | 27 |
| 2023 | Acquired First American National BankClosed Starkville | 10 | 1 | +9 | 36 |
| 2024 | Acquired Oxford University BankOpened Corinth | 4 | 0 | +4 | 40 |
| 2026 through Q2 | Closed Cordova | 0 | 1 | −1 | 39 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 34% | 35% | |
| 1-4 family residential | 24% | 29% | |
| Construction and land | 13% | 10% | |
| Business (C&I) | 12% | 11% | |
| Farmland | 6% | 5% | |
| Multifamily | 5% | 4% | |
| Agricultural | 2% | 2% | |
| Consumer | 2% | 2% | |
| Other | 2% | 1% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 51% | 60% | |
| Time deposits | 31% | 23% | |
| Noninterest-bearing | 18% | 17% |
Brokered deposits are 6.3% of deposits (peers 0.8%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 1.95% | 0.65% |
| Net charge-offs, annualized | 0.11% | 0.08% |
| Reserves to loans | 1.40% | 1.13% |
| Leverage ratio | 10.42% | 10.85% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Mississippi
Largest competitors in Washington County, MS
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/guaranty-bank-trust-belzoni-ms