# GUARANTY BANK
SPRINGFIELD, MO · FDIC certificate 28670 · asset band $1-10B · latest filing 2022-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. 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 | $1.22B | |
| Deposits | $1.08B | |
| Loans and leases | $820.6M | |
| Total equity | $117.5M | |
| Loans / deposits | 75.17% (p56 of band) | 72.64% |
| Liquid assets / assets | 27.50% (p40 of band) | |
| Uninsured deposits / deposits | 16.72% (p14 of band) | 32.22% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.01% (p45 of band) | |
| FHLB advances / assets | 1.31% | |
| Tier 1 leverage | 9.86% (p57 of band) | 9.47% |
| Unrealized securities loss / equity | -7.79% (p62 of band) | -11.11% |
| AOCI / equity | -6.25% (p50 of band) | |
| ROA (annualized) | 0.47% (p11 of band) | 1.02% |
| Net interest margin | 3.21% (p60 of band) | 3.08% |
| Efficiency ratio | 85.53% (p94 of band) | |
| Noncurrent loans | 1.15% (p90 of band) | 0.31% |
| Net charge-offs (annualized) | 0.00% (p37 of band) | |
| Reserve coverage of noncurrent | 112.02% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 99.85% (p88 of band) | |
| Auto loans | $2.9M (0.35% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p37 of band) | |
| Deposits YoY | 4.7% | |
| Employees | 223 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | loans exceed deposits, wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 2 |  | loans exceed deposits |
| 2011-12 | 2 |  |  |
| 2012-03 | 3 | assets shrinking |  |
| 2012-06 | 3 | noncurrent p90 | assets shrinking |
| 2012-09 | 4 | capital falling, charge-offs p90 | noncurrent p90 |
| 2012-12 | 3 |  | capital falling |
| 2013-03 | 3 |  |  |
| 2013-06 | 2 |  | charge-offs p90 |
| 2013-09 | 2 |  |  |
| 2013-12 | 3 | assets shrinking |  |
| 2014-03 | 2 |  | assets shrinking |
| 2014-06 | 4 | charge-offs p90, deposits shrinking |  |
| 2014-09 | 3 |  | reserve under noncurrent |
| 2014-12 | 3 | loans exceed deposits | deposits shrinking |
| 2015-03 | 1 |  | charge-offs p90, loans exceed deposits |
| 2015-06 | 1 |  |  |
| 2015-09 | 2 | noncurrent p90, reserve under noncurrent | wholesale funding >15% |
| 2015-12 | 3 | wholesale funding >15% |  |
| 2016-03 | 2 |  | wholesale funding >15% |
| 2016-06 | 4 | loans exceed deposits, wholesale funding >15% |  |
| 2016-09 | 4 |  |  |
| 2016-12 | 3 |  | noncurrent p90 |
| 2017-03 | 3 |  |  |
| 2017-06 | 4 | capital falling |  |
| 2017-09 | 4 | brokered >10% | capital falling |
| 2017-12 | 4 |  |  |
| 2018-03 | 5 | capital falling, construction >100% equity | loans exceed deposits |
| 2018-06 | 4 | loans exceed deposits | brokered >10%, capital falling |
| 2018-09 | 3 |  | construction >100% equity |
| 2018-12 | 3 |  |  |
| 2019-03 | 1 |  | wholesale funding >15%, loans exceed deposits |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | noncurrent p90 |  |
| 2020-06 | 2 | capital falling | noncurrent p90 |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 | noncurrent p90 | capital falling |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 | capital falling, uninsured deposits leaving | reserve under noncurrent, noncurrent p90 |
| 2021-09 | 0 |  | capital falling, uninsured deposits leaving |
| 2021-12 | 1 | construction >100% equity |  |
| 2022-03 | 1 | expense ratio p90 | construction >100% equity |

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

- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2026-02-07 [Guaranty Bank promotes 3 leaders in mortgage, consumer lending - Springfield News-Leader](https://news.google.com/rss/articles/CBMi0AFBVV95cUxQb0d2blhhbTh4WElSMXQ3RERhdzFUZFlNVVhWdmZnXzhZNkdjVnVOZEltTm50cDdFYU1sVHhzYVBRaEJYQnVRQk5nZ2RaZVJYck1SaVp5aE1YWjgxbHFrOXRYcktnTUh4NUFUTnNudktHV3REYnJ2emF1eHRGVXk2T1lqcjNZX0pEMV9zb1VzRXFNZm5oekdZbU5KQUlEQTNjZmFiOU5abDN1ZFhHOFcyU0dXbUk1N2lkbmpRSHQwNWNUSWJCWU1sakJqek5ZZXJ4?oc=5) · Springfield News-Leader
- 2025-10-24 [Guaranty Bank parent boosts quarterly profits by 32% - Springfield Business Journal](https://news.google.com/rss/articles/CBMiigFBVV95cUxQemdBUDZSU2xscmg1eEloeFlTSVJHeXdlODRsa1lmdHNwVHdSMkRZQXpMT0JPU1U0cS0tUUp1WGs2V1IxN3ZHY2pWeFBnMHJzalVuU3ZIenpFT2JYNm56S1NheHo1ekxZcHZoRVA0U215Mm5QMFZ3dGhxQzc1MTdfUEhwemRpeEhnVkE?oc=5) · Springfield Business Journal
- 2025-10-02 [Serial bank robber sentenced in federal court - Springfield Daily Citizen](https://news.google.com/rss/articles/CBMijwFBVV95cUxOZUVlcnl3aE9ZbS1aVGtqaVBfOFhVUnlydnhNODdZNk5obGZBb01oUFBMT1ZYOVRjRUhBQThtb0x3bUhEMjZfTzdTbzhNWHJ0bHQtbHZoRHhiSEFQTkFRS3AzMGFoWkpVd2YzSWx5SHdDSGZOZ1dmVVhUN29mczgwd2ZkYWxQLVhZS0JwdEItUQ?oc=5) · Springfield Daily Citizen
- 2021-11-09 [Springfield First Community Bank & Guaranty Bank announce a merger - KY3](https://news.google.com/rss/articles/CBMimgFBVV95cUxNVE9NX0tPclc1bnRWVkZTcWJTMExYYlZNX2FoYzNPN1pvVE9uTXQ5QzBFc2psM0tydU5FZE83Y1ItWHE0OEdiVHlLSWJPRmM2bTE3NTZ6SEYxRTVYRmVMTFYtS0NJdEZxbTdUclZGZmV0NFFkM2cxdFVHZERFYkNMVUhXQ2EtYmJ1NHppTnVta3JRUXpyZkdOWDVR0gGuAUFVX3lxTE1rTExjYXFtMS1fX1IyY0lKYlFRamJWNzFpNERiaVFSajFSSHJjT193WEpUNl9ZNUF1blJDcjdnVVN6WjYzNnVEZ3ZfNW03OXdfd2ljTUg4cUo3S1NBay1OLThoUTBWVXAxRE1xdkwtRUlpVWhlaXBsTU4xV1JXMVQtVzg1MDlYQ1JLRi12U2NueTJtVDZURUUxSHJBT0tYTUJpMFh1aVotME43NzdmQQ?oc=5) · KY3
- 2022-04-04 [QCR Holdings acquires Guaranty Federal - Quad Cities Business Journal](https://news.google.com/rss/articles/CBMiekFVX3lxTFBjN2NVSGlzemQ0U2pJYmV6V2U1S2o2VjFwLTFrQkJrN0EwVEFyNFluY3Vhc1NPb1BKbW1mY0FzSzJWNF80MklSUVdnbkZQTTRVXzA0VmhVV19IVHA0bWZIZEpZZWlpekt5T3FPN3Ezem5ZTzZENm1VN0lR?oc=5) · Quad Cities Business Journal
- 2018-02-28 [Step Inside Guaranty Bank’s New Headquarters in Farmers Park - 417 Magazine](https://news.google.com/rss/articles/CBMid0FVX3lxTE5zcFVFVzFDZnJyUk1PWElDVmpiTDVXZ0lNdWdhTFc3S1hWRGcxS0JQcERNSXowMlB1NG5BTG5ucndtU1ZodjNBWTRPeTlSVXM5b0ZHVFFyNzEwLTRvcXZFYVc4SVpIaWFZNk1DbS1aMXNxRnR4QTc4?oc=5) · 417 Magazine
- 2025-06-29 [Guaranty Bank & Trust joining forces with Glacier Bancorp, Inc. - theparisnews.com](https://news.google.com/rss/articles/CBMi1gFBVV95cUxOYnB0TG5SRy15RGRRZDI1UmExRHVobjZtTzltTjJCdVFmU3ZDWGtJN0REU0t4amllVlJGbDBla0JfbkUtOWVrbVZKZXVrcmJBTnRHdld4NWNFUFl4WGFiUThPOWhQLXIzUGpGMnBhQUV4VUZqdEZoVUhKTExLV0U5Y0c0YzB1Y3FMWmdCYzBMTzRzVFNOYmpXYmMzUEZEYllpeFhKYWdWS09XY0hGTzV4UEhXa3Y1WmxnNHNmR3puRWxROENNSVRfLVFCbmRIQ3o4NVdIcDBB?oc=5) · theparisnews.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=28670 (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/62.json (key "28670", 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