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Q2 2026 · read from the 30 June 2026 Call Report · United States · Plains · Missouri, the state note

Guaranty Bank

Springfield, Missouri · $2.38B in assets · beside the 11 other Missouri banks between $1B and $3B

The filing

16.5%
Equity / assets
1st of 12
65.8%
CRE / loans
11th of 12
385.9%
CRE / capital
11th of 12

Guaranty Bank is the second largest of the 12 Missouri banks nearest its size between $1B and $3B, with $2.38B in assets at 30 June 2026. Loans are 97.6% of deposits, 9th of 12 against a median of 95.0%, and equity is 16.5% of assets, the highest in the cohort. Loans grew +0.0% in the year, 10th of 12, and deposits grew 0.6%; the cohort's median loan growth is +8.4%.

Noncurrent loans are 0.88% of the book, 8th of 12 against a median of 0.78%; 0.07% is 30 to 89 days past due, and the allowance covers them 1.7 times. Commercial real estate is 65.8% of loans, 11th of 12 against a median of 33.7%, and 386% of capital, above the 300% screen, with construction at 111% against the 100% screen.

Return on assets is 0.94%, 10th of 12 against a median of 1.42%, on an efficiency ratio of 60.8%, 9th of 12. Five years ago it was 1.43%. The question is what the concentration does under a commercial real estate stress, and how much of it is owner-occupied (owner-occupied nonresidential is 8.0% of loans).

Equity as a share of assetsMO banks $1B to $3B · 30 June 2026 · higher is stronger, listed first
median 9.9% GB Guaranty Bank 16.5% CC Cass Commercial Bank 14.6% LB Legacy Bank & Trust Co. 12.3% SB Sterling Bank 11.2% HN HNB National Bank 10.9% HB Hawthorn Bank 10.6% NV Nodaway Valley Bank 9.2% BB BTC Bank 9.1% LB Lead Bank 8.8% OB Omb Bank 8.8% SB Sullivan Bank 8.6% FB First Bank of the Lake 7.3%
Loans, year over yearMO banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +8.4% BB BTC Bank +37.5% HN HNB National Bank +36.6% LB Lead Bank +26.7% FB First Bank of the Lake +20.7% OB Omb Bank +18.3% SB Sullivan Bank +11.6% NV Nodaway Valley Bank +5.1% SB Sterling Bank +1.5% CC Cass Commercial Bank +0.5% GB Guaranty Bank +0.0% HB Hawthorn Bank -3.2% LB Legacy Bank & Trust Co. -6.7%

SBA 7(a), FY2008 to FY2026

Guaranty Bank is the 11th largest 7(a) lender into Missouri of 444, with $144M across 332 loans, 1.9% of everything approved in the state (Oakstar Bank leads with $556M). 24 of its 30 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Missouri, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Greene, MO$70M3rd of 808.7%-10.7 pts
Christian, MO$22M3rd of 5211.5%-12.9 pts
Jasper, MO$14M3rd of 586.4%-19.6 pts
Taney, MO$9M5th of 595.2%quiet FY2021
Newton, MO$6M7th of 295.6%-14.4 pts
Lawrence, MO$4M7th of 286.0%+2.5 pts
Laclede, MO$3M4th of 207.5%+1.5 pts
Platte, MO$3M15th of 732.1%quiet FY2016
Johnson, KS$3M77th of 1850.2%quiet FY2021
Phelps, MO$3M6th of 286.8%quiet FY2022
Webster, MO$2M5th of 296.6%quiet FY2021
Camden, MO$2M11th of 412.5%quiet FY2021
Madison, AR$1M5th of 103.2%quiet FY2014
17 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Manufacturing35$22M14.5%0.06%284th of 2,246
Accommodation & food services43$18M12.0%0.02%405th of 2,596
Construction34$18M11.6%0.06%260th of 2,063
Other services41$15M10.2%0.04%278th of 2,248
Wholesale trade14$13M8.8%0.05%244th of 1,651
7(a) lenders into Missouri, share of approvals since FY2008444 lenders on record; the ten largest and Guaranty Bank
OB Oakstar Bank 7.3% $556M · 864 loans SB Simmons Bank 6.1% $463M · 1,400 loans LO Live Oak Banking Company 5.3% $404M · 257 loans MR Midwest Regional Bank 4.6% $353M · 393 loans UB U.S. Bank, National Association 4.0% $302M · 2,342 loans TB The Bank of Missouri 3.1% $235M · 887 loans CB Commerce Bank 3.0% $229M · 926 loans BB Busey Bank 2.8% $209M · 281 loans SB Southern Bank 2.3% $172M · 361 loans TC The Central Trust Bank 2.1% $157M · 770 loans GB Guaranty Bank 1.9% $144M · 332 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 3 CBLR filers; owner-occupied excluded; bold marks a screen met
Guaranty BankRankCohort median
Total CRE against capital, the 300% screen386%11th of 12192%
Construction against capital, the 100% screen111%9th of 1267%
Construction and land development, share of loans18.8%10th of 129.8%
Non-owner-occupied nonfarm nonresidential, share of loans25.2%11th of 1210.3%
Total CRE, the guidance definition, share of loans65.8%11th of 1233.7%
CRE growth over 36 months, the third prong+23.8%5th of 12+31.2%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Lead Bank$2.76B1.6%80.8%3.26%0.87%2.3%46.1%8.8%
Guaranty Bank$2.38B0.9%60.8%0.88%0.00%1.5%97.6%16.5%
Omb Bank$2.36B1.3%47.3%0.83%0.04%1.6%99.6%8.8%
First Bank of the Lake$2.34B0.8%62.6%3.70%0.61%0.7%107.3%7.3%
BTC Bank$1.91B0.8%67.7%0.72%0.00%1.2%107.0%9.1%
Legacy Bank & Trust Co.$1.85B1.2%55.5%1.47%0.00%1.2%95.7%12.3%
Hawthorn Bank$1.76B1.6%58.6%0.47%0.03%1.5%93.1%10.6%
Nodaway Valley Bank$1.62B2.1%52.9%0.00%-0.04%1.3%74.2%9.2%
Sterling Bank$1.56B1.6%52.3%0.35%0.02%1.3%78.2%11.2%
Sullivan Bank$1.40B1.1%54.5%1.45%0.01%1.2%96.9%8.6%
Cass Commercial Bank$1.33B2.2%36.2%0.16%0.00%1.3%94.3%14.6%
HNB National Bank$1.31B2.2%45.0%0.06%0.00%1.1%75.0%10.9%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Guaranty BankCohort median
20212026Change20212026Change
Loans$694M$1.83B+164%$665M$1.30B+96%
Deposits$609M$1.88B+209%$603M$1.48B+146%
NPA / loans0.00%0.88%+0.88 pts0.13%0.78%+0.65 pts
Efficiency48.0%60.8%+12.9 pts51.4%55.0%+3.6 pts
ROA1.43%0.94%-0.49 pts1.38%1.42%+0.03 pts

This read was prepared for Guaranty Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Guaranty Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort MO banks $1B to $3B
Institution www.gbankmo.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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