Guaranty Bank Inc.
Major Rating Factors:
A current level of 13.0 percent of nonperforming loans to core capital combined with 9.8 percent from a year earlier contributes to the Fair asset quality (4.4). Operating profits as a percentage of assets at 0.4%, coupled with a return on assets of 0.3 has resulted in Very Weak (0.6) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 19.2 and a capital leverage ratio of 13.6. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.6 on a scale of 0 to 10).
Asset Mix:
Comm re (33%), home mtgs (24%), securities (13%), comm loans (6%), cash (4%), consumer loans (3%), home eq lns (1%), other (15%)
States with Branches:
WV
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Investment Rating
--
Address
10 Commerce Drive
Williamson, WV 25661
Williamson, WV 25661
Phone Number
(304) 475-1900
Year Founded
1976
FDIC Number
Website
Largest Affiliates
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