Guaranty Bank
Major Rating Factors:
Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.9 has resulted in Fair (4.0) profitability. A current level of 5.0 percent of nonperforming loans to core capital combined with 3.1 percent from a year earlier contributes to the Fair asset quality (3.8).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 14.4 and a capital leverage ratio of 12.3. 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 (26%), securities (11%), comm loans (9%), home mtgs (7%), home eq lns (2%), cash (1%), consumer loans (0%), other (44%)
States with Branches:
MO
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
QCR Holdings, Inc.
Investment Rating
--
Address
2144 East Republic Road
Springfield, MO 65804
Springfield, MO 65804
Phone Number
(417) 889-0383
Year Founded
2008
FDIC Number
Website
Largest Affiliates
Cedar Rapids, IA
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Bank
Bettendorf, IA
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Bank
Ankeny, IA
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Bank