Guaranty Bank Inc.
Major Rating Factors:
Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.7 has resulted in Fair (3.5) profitability. A current level of 7.3 percent of nonperforming loans to core capital combined with 11.0 percent from a year earlier contributes to the Good asset quality (5.7).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 19.3 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 (7.4 on a scale of 0 to 10).
Asset Mix:
Comm re (36%), home mtgs (28%), comm loans (8%), securities (7%), cash (3%), consumer loans (2%), other (16%)
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
No affiliate information available.