# GUARANTY BANK
MAMOU, LA · FDIC certificate 16928 · asset band <$300M · latest filing 2012-12 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $144.0M | |
| Deposits | $127.5M | |
| Loans and leases | $62.5M | |
| Total equity | $15.6M | |
| Loans / deposits | 48.20% (p18 of band) | 68.02% |
| Liquid assets / assets | 55.66% (p84 of band) | |
| Uninsured deposits / deposits | 1.82% (p8 of band) | 8.86% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.65% (p43 of band) | 10.05% |
| Unrealized securities loss / equity | 15.19% (p95 of band) | 3.01% |
| AOCI / equity | 0.15% (p61 of band) | |
| ROA (annualized) | 0.52% (p34 of band) | 0.76% |
| Net interest margin | 3.41% (p31 of band) | 3.75% |
| Efficiency ratio | 81.72% (p68 of band) | |
| Noncurrent loans | 0.34% (p26 of band) | 1.21% |
| Net charge-offs (annualized) | 0.01% (p28 of band) | |
| Reserve coverage of noncurrent | 513.74% | |
| Real estate % of loans | 72% | |
| Construction % of loans | 17.82% (p53 of band) | |
| Auto loans | $1.1M (1.79% of loans; DQ 2.59%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 6.1% | |
| Employees | 49 | |

## Flags firing in the latest filing

- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | reserve under noncurrent |  |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 1 | uninsured deposits leaving |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-11 [Louisiana bank agrees to FDIC consent order over credit quality - Banking Dive](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNcUF6dDl4bmNEbWhTYkNURVZjbmU1a3FhR0d2SE0ydFdabGRIVnBpNWU0TFJQOWo0LWcxUF9qc01nVHlkc25uZ25PUWhXZ1dfblJuaTBSMVBhYzJlcERDTGhJVFc1d092Y2ZPSXhNMWlJdXRIWHZIY2o5dl9ldHdfcnBnUGJYMnZzM0xSNjNhZDhsanI1Wmw3QnVkUTdHQ2FCTUZRemZteDQ2TGs?oc=5) · Banking Dive
- 2026-08-10 [Louisiana bank faces unusual limits on who it can lend to - American Banker](https://news.google.com/rss/articles/CBMimAFBVV95cUxPQnJKZDR0a1BQSEt2aHh1MlVnb0RfRFR4U0dOWDJXYXZjN1RSb1ZNMlRURlpqWGh5NmQ0dnM4aHpyOWtoY2hzVk5qd3NlbTRVSFkwc0ltbm1ZbXRkVUkzSVJXYnFReFNNYlNIa2pjNWJ4cEVFakt1b2lQQXJqMlB1TlpPWGN3Q2VRZ0V6b1dYejZLRmlzMi1qcQ?oc=5) · American Banker
- 2026-08-24 [Filings: Louisiana bank tried to link to Greenbrier refinance deal - New Orleans CityBusiness](https://news.google.com/rss/articles/CBMimwFBVV95cUxOT096U0xzQVdWWVQ5OGtVeWhmdWs2UnZUXzZWaTFINGFTUzNOalp1cm9LQy1ud3dGSGxVWURTSmVKcmxUQTVrT0FRSC1KMUJKc0lwazVwOTJpLThSVkxwLXVHV1FCREtESFZLampkS1FUQ291S1c0cG93MXJKdTNHZm1nYzlrRE5FcWRIYXk1TjA2Nko5TTJXSU5Law?oc=5) · New Orleans CityBusiness
- 2026-07-28 [First Guaranty Bancshares, Inc. Reports Second Quarter 2026 - GlobeNewswire](https://news.google.com/rss/articles/CBMilAJBVV95cUxPdVZUcm5vLS1Qb3VzTVRwWmd2TG1mSE1vS3pic2c0RVcwR1NGbHA0ZVFNUDRGS2JuczZCVEZYMUNoOVR4T29hdWJsWjNPSmVMLTg5OUtYblBPeUU5a3FJc01hRFhYWkxURWJlRzl0SzBPV2FYRGtTNC1XTndHX0NkQ1ZOQkgxZHFnVTVoNExNRm0taTAxcVF4WTBCMGlnWm1TMmhLTWZlTzFmUDZNVjFOSW9Ic2lIVjdfQ1l4a0NjLVU3WWNQUnJSSzNMUU0wTGlHeF9rb0RMOUttVHliTFdqMzFsalFFUFh0MEpsVjI5T19ta2F5V1RHQk5fUWU2NDVVVFNrRWxENlcwcTlveTQ1cW0yQjU?oc=5) · GlobeNewswire
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2026-05-28 [Old Guaranty Bank building in downtown Lafayette has been sold. Here's who bought it. - The Advocate](https://news.google.com/rss/articles/CBMi6gFBVV95cUxOSzJkV3VLanlDc2NOakhpTVJoMWR4anQ4c2NtY0lUMmtHX2lyNXRWN3I2RXZVWmFGcVdpSFF3Y0xuRDdPZVBHXzhwc3BKSlkyaU4zWjJDODNETk04T3VTZjUydGJpXzExUVgxc1NmTk9ESW15WkpQcUVBVlRNWEhVRmVscEUta1VsQ3JGTEplU3M3ZkQxejl1R3R4Zy1LREhCTUgwdV9sak9BWm9Wd0I3SGd6M0VyWVpRSGswVExQT2hqanhDYV9yNEN2RnI4NGlXNEZTb1hBSXdsMUxCZVVYa3VKREVpSXdqYkE?oc=5) · The Advocate
- 2026-07-28 [First Guaranty reports $19 million drop in nonaccrual loans - Stock Titan](https://news.google.com/rss/articles/CBMiwAFBVV95cUxOT3NYVktSOGxYYUphY3V4ZUxSMF9wR0Q3ejY4ZjZfM25lRC1SS3gtdTlNdHNQcWdJTjdMV2hHUnVzMllJc21aX2hUSHcta0NxdGJmQW9obUdIRFZfRkV4SldaNks5Zlp1R29sZWlPaGZoX05la0p1NVR1UWtZR3BMTzlXUDRCQ255VjZNcEZyWmZKV1lyZDhKZ2h1LU1ONUlwYmhrS24tbWNieE9ERkRocUhnQVUyWUFvMmtrWGlOQWQ?oc=5) · Stock Titan
- 2026-01-06 [Justice-controlled Greenbrier Hotel Corp. debt has risen past $47 million, bank says - West Virginia Press Association](https://news.google.com/rss/articles/CBMitwFBVV95cUxNVmx5bHg1QmZ0alNDMnFMVmhrMzVXN25IOVFDZVNXaDF3RFpzQVpmb19UcU5TdFhJb1VPWEw5ZHEzcVhkNElEQk1uOHdZZ25ndjluREpEYVhqMlN0d1lZRXc2MnI0RlFOWVIyUEhhbUJ2OXZOQjNTanVMbmVGODJlXzhZNHVReXBEemg3TXZBamZBNklrelhPSVhpLUVLa3NiUWk0cnhYa0l4bXUtdnppQjdfVVBQM1E?oc=5) · West Virginia Press Association

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16928 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/32.json (key "16928", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide