# GUARANTY BANK
MILWAUKEE, WI · FDIC certificate 30003 · asset band $1-10B · latest filing 2017-03 · FAILED

**Verdict on the desk:** this could be *credit-stressed*. Composite score 8 (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 | $1.03B | |
| Deposits | $1.00B | |
| Loans and leases | $743.3M | |
| Total equity | $21.6M | |
| Loans / deposits | 73.14% (p23 of band) | 87.83% |
| Liquid assets / assets | 15.89% (p26 of band) | |
| Uninsured deposits / deposits | 1.30% (p2 of band) | 25.51% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p4 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 2.10% (p2 of band) | 9.88% |
| Unrealized securities loss / equity | -0.15% (p65 of band) | -0.51% |
| AOCI / equity | 0.03% (p20 of band) | |
| ROA (annualized) | 0.44% (p7 of band) | 0.97% |
| Net interest margin | 3.77% (p74 of band) | 3.44% |
| Efficiency ratio | 93.86% (p99 of band) | |
| Noncurrent loans | 4.54% (p98 of band) | 0.56% |
| Net charge-offs (annualized) | 0.28% (p92 of band) | |
| Reserve coverage of noncurrent | 30.82% | |
| Real estate % of loans | 70% | |
| Construction % of loans | 0.67% (p6 of band) | |
| Auto loans | $1,000 (0.00% of loans; DQ 100.00%, NCO 0.00%) | |
| Loans to nondepository financials | $192.8M (892% of equity) (p100 of band) | |
| Deposits YoY | 1.0% | |
| Employees | 902 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **loans-to-lenders >50% equity** (`conc_warehouse`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | leverage <7%, losing money, expense ratio p90 |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 4 | securities losses >30% of equity |  |
| 2011-12 | 8 | leverage <5%, capital falling, charge-offs p90 |  |
| 2012-03 | 9 | noncurrent p90, reserve under noncurrent | securities losses >30% of equity |
| 2012-06 | 10 | uninsured deposits leaving |  |
| 2012-09 | 11 | construction >100% equity |  |
| 2012-12 | 10 |  | uninsured deposits leaving |
| 2013-03 | 7 |  | losing money, capital falling, construction >100% equity |
| 2013-06 | 7 |  |  |
| 2013-09 | 8 | capital falling |  |
| 2013-12 | 8 |  |  |
| 2014-03 | 6 |  | expense ratio p90, capital falling |
| 2014-06 | 9 | expense ratio p90, deposits shrinking, assets shrinking |  |
| 2014-09 | 10 | uninsured deposits leaving |  |
| 2014-12 | 10 | loans-to-lenders >50% equity | uninsured deposits leaving |
| 2015-03 | 11 | losing money |  |
| 2015-06 | 11 |  |  |
| 2015-09 | 9 |  | deposits shrinking, losing money |
| 2015-12 | 9 | losing money | assets shrinking |
| 2016-03 | 10 | capital falling |  |
| 2016-06 | 10 |  |  |
| 2016-09 | 11 | liquid assets <10% |  |
| 2016-12 | 9 |  | capital falling, liquid assets <10% |
| 2017-03 | 8 |  | losing money |

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

- 2017-05-05 [Federal agency shuts down number of Guaranty Bank branches; some to reopen as First-Citizens Bank - FOX6 News Milwaukee](https://news.google.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?oc=5) · FOX6 News Milwaukee
- 2018-03-23 [First-Citizens acquires former Guaranty Bank branches - biztimes.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxPc0RSUVVTN3JrdV9SMVlrc3VjTmwyaUFWTHJFYVdtcFlQZjIwc2dtNm1oVmNsbVl2V25pRC1naFVEOV9TVWEtNVNWV0FpRFhnV2l4bUhJSVNLYVFuSTBrVUdjdkxHOEw1WS1uVG1GTFQ2YjJBd3gzRjNPM0s0LUhUMQ?oc=5) · biztimes.com
- 2017-05-06 [Feds close Guaranty Bank; to reopen as First Citizens - Milwaukee Journal Sentinel](https://news.google.com/rss/articles/CBMitAFBVV95cUxOdWthS2V5dTZsT3pGQVcwRHQxbTR0WUNUSVpvWUN1UGo4T2U2T3BVOU5oMFJsTjBpVGFBNnRmZTlCUTV0Skx0ZHRyeWlfN3RpTjdfNUozN3MtZU9OZHlsOE9pLTN0OThaQ3o1WUt1NjVVZ2JNbG9QQ3Bhdm56OTdaWDAxUE5rLVpTOGo5S0NjOFI4TGlJVjJQMUFJLXZPSGMzYTlVOUVBa19GbUZ2VU9VajZidlQ?oc=5) · Milwaukee Journal Sentinel
- 2017-05-06 [Guaranty Bank shut down by federal regulators, taken over by First-Citizens - WXYZ Channel 7](https://news.google.com/rss/articles/CBMiogFBVV95cUxNbDFkNWpLSXJwWWVRS0MzY3ZDWGU1ajlpNVN4RkpNNnNpV2llMVlJVVpWb3YzaDVYV1FNOWJnRVk3Nzg1alFaUFp0RG03QVNoSTJhcXotY2RXMmVzc1diWks2Sjl1bTBQT1V4U3dBUEhGWWszNFozSzY0VXNjaGtzcXIzZzQxVEl5VkdqMS01WXdmcnA3b2tWWHJLSFRURWRGNWc?oc=5) · WXYZ Channel 7
- 2017-05-07 [Guaranty Bank Fails, Retail Branches Shut down - Racine County Eye](https://news.google.com/rss/articles/CBMicEFVX3lxTE4yNDZyZmtlb3JXVFkxdE1qWVlvRkFULXd2QnZZS21fMUhnTnNUZ3ZXOHJVYm5lZDY3MlFTZGNzb0p2SFV6YlpiTEMtZE5BOHRudkdCelhBVXJCYl9HVHRJSGZ0STNqSjRKQ09hNVY4N2o?oc=5) · Racine County Eye
- 2017-05-06 [Federal Regulators Close Guaranty Bank - CBS News](https://news.google.com/rss/articles/CBMickFVX3lxTE5sR0VCWjRwdVFnYnEtN080MDFyTG5QZnoyWXA1SFZ4b3poSm1aaGVSNzFESnNMZFRqb2N0akVGWEpJUm9LSkhIc3hZX3pxVkhjVGpncFNWbVNQTHpJTGhKSElmUTRBcUdrdXMtRU53LVRmUQ?oc=5) · CBS News
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2017-05-09 [Federal agency shuts down BestBank branches in Michigan - FOX 2 Detroit](https://news.google.com/rss/articles/CBMikgFBVV95cUxPZVdkTGVJblF2bTZxQ1FDSzB4OEozS2lkVVo0UnRGNDY0UWVfWkczeWU1LWlTcXp1SVhvT3lQNVhPUlNVZlZiN1BZRTA5a3ZLUjdMXzZ0bFN0T0Y1eVljR2ZacHllbURyengxS0NieTBOVG9MSWpVNy1XOURsbm1FUnhHczVtbmpjQXliTWhzdGFTQQ?oc=5) · FOX 2 Detroit

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=30003 (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/51.json (key "30003", 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.

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