# GUARANTY SAVINGS BANK
METAIRIE, LA · FDIC certificate 29866 · asset band <$300M · latest filing 2011-06 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $255.3M | |
| Deposits | $192.6M | |
| Loans and leases | $187.8M | |
| Total equity | $27.8M | |
| Loans / deposits | 96.57% (p93 of band) | 71.80% |
| Liquid assets / assets | 21.29% (p21 of band) | |
| Uninsured deposits / deposits | 3.55% (p21 of band) | 7.92% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 13.53% (p88 of band) | |
| FHLB advances / assets | 13.53% | |
| Tier 1 leverage | 10.69% (p63 of band) | 9.80% |
| Unrealized securities loss / equity | 168.48% (p99 of band) | 2.62% |
| AOCI / equity | 2.07% (p65 of band) | |
| ROA (annualized) | 0.52% (p40 of band) | 0.68% |
| Net interest margin | 3.80% (p48 of band) | 3.84% |
| Efficiency ratio | 73.92% (p51 of band) | |
| Noncurrent loans | 5.01% (p85 of band) | 1.53% |
| Net charge-offs (annualized) | 0.19% (p62 of band) | |
| Reserve coverage of noncurrent | 19.43% | |
| Real estate % of loans | 95% | |
| Construction % of loans | 61.26% (p82 of band) | |
| Auto loans | $140,000 (0.07% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (– of equity) | |
| Deposits YoY | – | |
| Employees | 53 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |

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

- 2026-08-06 [Ethel Cooper Obituary - Caledonian Record](https://news.google.com/rss/articles/CBMivgFBVV95cUxPQllpaC1uYWJJMmhJTW9DRGdpVG4yOHRKZk1VVlRMU3IxOFZIOWV1X2l3NHQ0U0xFN0paSDZKQk1FMVhNbjdOSW5SYTdXYnRtVW5QdUo1UVNxNDk5RzJENE9WMXI3TTRnN2c5dlIxcFVQRnhsQzFmdk5OU3BSYk9QZmFvNEJMRVYxMkh1NWpuVkZveDNERFkxZ01ISWVOOGFUQ1FBbkhSSWhuOGF3d3dWOHA5UzNtTER6MDBqWWxn?oc=5) · Caledonian Record
- 2022-12-14 [Pepperell driver receives two awards from New Hampshire race track - Lowell Sun](https://news.google.com/rss/articles/CBMipwFBVV95cUxQWkpGNHM5dlFoOVp0aU9CZlN0U0ttRkQzVkVzNWxrU0FLNm9tS2N2TkFXbGQ1cHVuYkFtMGI2eFlUMDV2RHItVDVNNGhxNkNZLTVrbHdic2FiYmpBVUVYeGtMcVRaekJYbXgzN3ZwX3EwZXVxbmRKSFctc2cwSWFleUlFRXJoQklHSGR0ZXl4N2p5VXNjbl9KS0E0UVE2QTVST1F3M3dzWQ?oc=5) · Lowell Sun
- 2023-01-20 [Walter O. Young Obituary - Caledonian Record](https://news.google.com/rss/articles/CBMiwAFBVV95cUxPRk5ndDEzRHVqcEQ5YWVQbXc4MWNsM1pkanVXNEZrb0JBMWljaDJqLUZ0VHViWG04eU9PYWU1dU92NUR2TDVIa3lSZllDaVJHYUs0d0NSR3pNSXNweDNxTWRnRk1VWG5rUTNuUk9nZlZ2UFhGWGlYbW9jcE4yd0JtSThpMGpBR1VNMUlPcWViYnBaOHNXTmtuYmFhTmpEeGViTG1kUGtaNzFFUzliUG1DU2pnZk81NEJTNlpsb3JPczg?oc=5) · Caledonian Record

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=29866 (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/42.json (key "29866", 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