Vitals
  • Total Assets
    138.7M 0.3 %
  • Total Deposits
    106.7M -0.1 %
  • Total Net Loans
    107.6M 3.4 %
  • Net Income
  • Book Value
    12.0M -6.2 %
  • Book Value x2
    24.0M -6.2 %
  • Book Value x3
    36.0M -6.2 %
ROAA

ROAE

Efficiency Ratio

90.065

Net Interest Margin

2.865

Balance Sheet Highlights
Financial Highlights Guaranty Bank & Trust Company All Insured Commercial Banks in West Virginia
Balance Sheet $(000)
Total Assets 138,748 225,744
Total Net Loans 107,642 156,619
Total Deposits 106,732 183,554
Total Equity 11,994 21,969
Profitability
Net Income — 2,105
Return on Average Assets — .911
Return on Average Equity — 9.104
Net Interest Margin 2.865 4.064
Efficiency Ratio 90.065 68.204
Noninterest Income/Revenue 4.514 11.069
Balance Sheet Ratios
Loan-to-Deposit 100.853 79.196
Securities/Assets .171 .274
Total Equity/Total Assets .086 .097
Tangible Equity/Tangible Assets .086 -.075
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 12,055 20,932
Tier 2 Capital 1,290 1,773
Total Capital 13,345 22,700
Total Risk Weighted Assets 117,788 155,590
Leverage Ratio 8.68 10.061
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 10.23 15.549
Total Capital Ratio 11.33 16.665

Timeline for Guaranty Bank & Trust Company

First Sentry Bank, Inc.

Guaranty Bank & Trust Company was acquired by First Sentry Bank, Inc. 16 years

View Profile Sep 26 2009

Guaranty Financial Services, Inc.

Guaranty Financial Services, Inc. became a new parent organization for Guaranty Bank & Trust Company.

View Profile Dec 04 2002

Guaranty Insurance Services, Llc

Guaranty Insurance Services, Llc became a new subsidiary organization for Guaranty Bank & Trust Company.

View Profile Dec 04 2002

Guaranty Bank & Trust Company

Guaranty Bank & Trust Company was established 26 years ago and is currently headquartered in Huntington, WV.

Mar 24 1999
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
First Sentry Bank, Inc. Buyer 540,166 Acquisition Discontinued 9/26/2009
Relationships Role Relationship Start Relationship End
Guaranty Financial Services, Inc. Parent 12/4/2002 9/25/2009
Guaranty Insurance Services, Llc Subsidary 12/4/2002 9/25/2009
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