# GUARANTY BANK&TRUST CO
DENVER, CO · FDIC certificate 17482 · asset band $1-10B · latest filing 2018-12 · stopped filing (departed)

**Verdict on the desk:** this could be *fortress*. Composite score 0 (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 | $3.77B | |
| Deposits | $3.11B | |
| Loans and leases | $2.91B | |
| Total equity | $495.3M | |
| Loans / deposits | 92.73% (p57 of band) | 90.82% |
| Liquid assets / assets | 16.22% (p34 of band) | |
| Uninsured deposits / deposits | 23.08% (p39 of band) | 26.64% |
| Brokered deposits | 3.58% | |
| Wholesale funding | 7.59% (p46 of band) | |
| FHLB advances / assets | 3.78% | |
| Tier 1 leverage | 11.37% (p75 of band) | 10.20% |
| Unrealized securities loss / equity | -3.07% (p32 of band) | -1.95% |
| AOCI / equity | -0.65% (p53 of band) | |
| ROA (annualized) | 1.62% (p84 of band) | 1.20% |
| Net interest margin | 3.91% (p67 of band) | 3.66% |
| Efficiency ratio | 50.31% (p16 of band) | |
| Noncurrent loans | 0.23% (p23 of band) | 0.47% |
| Net charge-offs (annualized) | 0.02% (p39 of band) | |
| Reserve coverage of noncurrent | 351.49% | |
| Real estate % of loans | 81% | |
| Construction % of loans | 31.34% (p37 of band) | |
| Auto loans | $793,000 (0.03% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p37 of band) | |
| Deposits YoY | 5.3% | |
| Employees | 473 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 1 |  | wholesale funding >15% |
| 2011-09 | 1 |  |  |
| 2011-12 | 0 |  | reserve under noncurrent |
| 2012-03 | 4 | charge-offs p90, reserve under noncurrent, deposits shrinking, assets shrinking |  |
| 2012-06 | 1 | uninsured deposits leaving | charge-offs p90, reserve under noncurrent, deposits shrinking, assets shrinking |
| 2012-09 | 2 | capital falling |  |
| 2012-12 | 1 |  | uninsured deposits leaving |
| 2013-03 | 2 | reserve under noncurrent |  |
| 2013-06 | 0 |  | capital falling, reserve under noncurrent |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | capital falling |  |
| 2014-12 | 0 |  | capital falling |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | wholesale funding >15% |  |
| 2015-09 | 1 | capital falling | wholesale funding >15% |
| 2015-12 | 1 | wholesale funding >15% | capital falling |
| 2016-03 | 0 |  | wholesale funding >15% |
| 2016-06 | 2 | loans exceed deposits, wholesale funding >15% |  |
| 2016-09 | 0 |  | loans exceed deposits, wholesale funding >15% |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | capital falling |  |
| 2018-09 | 0 |  | capital falling |
| 2018-12 | 0 |  |  |

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

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17482 (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/10.json (key "17482", 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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