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Bank, Belzoni, MS
Guaranty Bank and Trust Company, Belzoni, MS
A bank based in Belzoni, MS. Its commercial book is led by non-owner-occupied CRE and owner-occupied CRE. Public files show recent multifamily, 1-4 unit investor and SBA 7(a) loans it made.
- Kind
- Bank
- Data as of
- June 30, 2026
- Page last changed
- November 12, 2026
- Commercial book
- $1.53B
- FDIC call report,
- Holds, not loans made
- Multifamily loans made, 2025
- 26
- HMDA,
- HMDA, 5 or more units
- SBA loans, 36 months
- 5
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $3.07B
- FDIC call report,
Does it fit my deal?
The deal is read here and kept nowhere. Leave out names, income and credit scores.
How to reach them
Each line shows where it came from
- Phone
- 800-847-7454 From the lender's website, retrieved November 9, 2026. Source page
- Website
- www.gbtonline.comFrom the FDIC record, November 9, 2026.
- Commercial lending page
- gbtonline.comFrom the lender's website, retrieved November 11, 2026.
- Names it files under
- GUARANTY BANK & TRUST COMPANYFDIC institution record,
- Address
- 210 N Hayden St, Belzoni, MS 39038FDIC institution record,
- Regulator record
- FDIC BankFind
Recently done
Recorded lending
Recorded lending. Two or more public files show loans this lender made.
| When | What the record shows | Source |
|---|---|---|
| Last 24 months | Office changes in the last 24 months: 0 opened, 1 closed, 2 relocated.FDIC structure history. | FDIC history |
| October 21, 2026 | Certified by the CDFI Fund as a Community Development Financial Institution.Membership in a public list, not lending volume. | CDFI Fund certified list, |
| October 17, 2026 | Listed by USDA Rural Development as an approved lender.Membership in a public list, not lending volume. | USDA Rural Development lender list, |
| Jun 2025 to Jun 2026 | Non-owner-occupied CRE balance rose 10.7% to $445.6M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | FDIC call report |
| Jun 2025 to Jun 2026 | Owner-occupied CRE balance rose 5.2% to $295.9M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | FDIC call report |
| Jun 2025 to Jun 2026 | Construction and land development balance rose 19.9% to $279.9M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | FDIC call report |
| Jun 2025 to Jun 2026 | Unused commitments on commercial real estate rose 8.4% to $119M in the year to June 30, 2026.Call report commitments. Not a measure of new lending. | FDIC call report |
| 2024 | Reported making 1,330 small business loans totaling $139.2M in 2024.FFIEC CRA disclosure data. A small business loan here is a commercial and industrial loan or a loan secured by nonfarm nonresidential property of $1 million or less when made. | FFIEC CRA disclosure data |
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| 2025 | Lee County, MS | Purchase, 100 to 149 units | $9.1M | 6.25% | 5 yr | 73% | HMDA 2025 |
| 2025 | Lafayette County, MS | Purchase, 5 to 24 units | $4.7M | 6.4% | 1.5 yr | 73% | HMDA 2025 |
| 2025 | Lee County, MS | Purchase, 150 or more units | $4.2M | 6.25% | 5.5 yr | 74% | HMDA 2025 |
| 2025 | Mississippi | Refinance, 50 to 99 units | $3.4M | 6.95% | 5 yr | 70% | HMDA 2025 |
| 2025 | Tunica County, MS | Improvement, 25 to 49 units | $2.9M | 8.25% | 18.3 yr | 80% | HMDA 2025 |
| 2025 | Washington County, MS | Purchase, 100 to 149 units | $2.4M | 7.22% | 10 yr | 75% | HMDA 2025 |
| 2025 | Tunica County, MS | Improvement, 5 to 24 units | $2.3M | 8.25% | 18.3 yr | 82% | HMDA 2025 |
| 2025 | Tunica County, MS | Improvement, 5 to 24 units | $2.3M | 8.25% | 18.3 yr | 80% | HMDA 2025 |
| 2025 | Monroe County, MS | Refinance, 5 to 24 units | $800K | 6% | 5 yr | 67% | HMDA 2025 |
| 2025 | Oktibbeha County, MS | Refinance, 5 to 24 units | $760K | 7.51% | 5 yr | 58% | HMDA 2025 |
| 2025 | Monroe County, MS | Refinance, 5 to 24 units | $720K | 7.35% | 5 yr | 69% | HMDA 2025 |
| 2025 | Mississippi | Refinance, 5 to 24 units | $720K | 5.75% | 5 yr | 27% | HMDA 2025 |
| 2025 | Washington County, MS | Purchase, 5 to 24 units | $580K | 7.8% | 5 yr | 80% | HMDA 2025 |
| 2025 | Monroe County, MS | Purchase, 5 to 24 units | $440K | 6.95% | 5 yr | 63% | HMDA 2025 |
| 2025 | Mississippi | Refinance, 5 to 24 units | $440K | 7.47% | 5 yr | 72% | HMDA 2025 |
| 2025 | Bolivar County, MS | Purchase, 25 to 49 units | $420K | 7.3% | 5 yr | 29% | HMDA 2025 |
| 2025 | Mississippi | Purchase, 5 to 24 units | $400K | 7.77% | 5 yr | 73% | HMDA 2025 |
| 2025 | Monroe County, MS | Purchase, 5 to 24 units | $400K | 7.2% | 5 yr | 71% | HMDA 2025 |
| 2025 | Bolivar County, MS | Purchase, 25 to 49 units | $400K | 7.3% | 5 yr | 30% | HMDA 2025 |
| 2025 | Blount County, AL | Improvement, 25 to 49 units | $400K | 6.5% | 15 yr | 44% | HMDA 2025 |
| Aug 2025 | Alabama | SBA 7(a), All Other Specialty Trade Contractors | $3.4M | 9% | 10 yr | SBA FOIA | |
| Jul 2025 | Tennessee | SBA 7(a), Fitness and Recreational Sports Centers | $320K | 8.25% | 10 yr | SBA FOIA | |
| Nov 2024 | Mississippi | SBA 7(a), Health Care and Social Assistance | $630K | 8.5% | 10 yr | SBA FOIA | |
| Jul 2024 | Mississippi | SBA 7(a), Other Personal Care Services | $630K | 9.5% | 10 yr | SBA FOIA | |
| Apr 2024 | Mississippi | SBA 7(a), Beer, Wine, and Liquor Retailers | $760K | 10.5% | 13 yr | SBA FOIA | |
| 26 multifamily loans made in 2025 | $39.1M | HMDA 2025 | |||||
A blank means the source did not report it.
What it holds
FDIC call report, June 30, 2026
| Book | Holds | Of its loans | Year over year |
|---|---|---|---|
| Multifamily | $114M | 5.2% | +7.5% |
| Construction and land development | $280M | 12.7% | +19.9% |
| Owner-occupied CRE | $296M | 13.4% | +5.3% |
| Non-owner-occupied CRE | $446M | 20.2% | +10.7% |
| Farmland | $135M | 6.1% | -2.4% |
| Commercial and industrial | $257M | 11.7% | +4.6% |
| Commercial total | $1.53B |
Reference only: $539M of 1-4 family residential loans, which call reports cannot split owner-occupied from investor. Excluded from the totals above.
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $1.03B |
| Q4 2023 | $1.17B |
| Q1 2024 | $1.24B |
| Q2 2024 | $1.27B |
| Q3 2024 | $1.38B |
| Q4 2024 | $1.40B |
| Q1 2025 | $1.40B |
| Q2 2025 | $1.41B |
| Q3 2025 | $1.40B |
| Q4 2025 | $1.41B |
| Q1 2026 | $1.45B |
| Q2 2026 | $1.53B |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| Multifamily, 5 or more units | 2025 | 26 | $39.1M | $510K | $9.1M | HMDA, |
| Multifamily, 5 or more units | 2024 | 24 | $48.1M | $505K | HMDA, | |
| 1-4 unit investor or business purpose | 2025 | 309 | $56.1M | $105K | HMDA, | |
| SBA 7(a), net of cancelled | 36 months to Sep 2026 | 5 | $5.79M | $635K | $3.4M | SBA FOIA, |
How these public files were tied to this lender. HMDA: its legal entity identifier (LEI). SBA 7(a) loans: its FDIC certificate number.
Programs on record: Federal Home Loan Bank member, Dallas district (FHFA).
Small business loans reported under CRA
FFIEC CRA, 2024
- Guaranty Bank and Trust Company reported making 1,330 small business loans totaling $139,232,000 in 2024, in its Community Reinvestment Act filing (FFIEC, calendar 2024).
- By size when made: 994 of $100,000 or less, 178 over $100,000 up to $250,000, 158 over $250,000 up to $1 million.
- 1,186 of them, totaling $102,243,000, went to businesses with revenue of $1 million or less.
- Guaranty Bank and Trust Company reported making 284 small farm loans totaling $32,637,000 in 2024, in its Community Reinvestment Act filing (FFIEC, calendar 2024).
- By size when made: 176 of $100,000 or less, 69 over $100,000 up to $250,000, 39 over $250,000 up to $500,000.
- 251 of them, totaling $25,993,000, went to farms with revenue of $1 million or less.
| County | Loans | Total |
|---|---|---|
| Washington County, MS | 180 | $17.5M |
| Humphreys County, MS | 104 | $3.44M |
| Tate County, MS | 71 | $5.26M |
| Shelby County, TN | 67 | $17.8M |
| Tishomingo County, MS | 66 | $4.54M |
| DeSoto County, MS | 60 | $6.92M |
| Lee County, MS | 59 | $4.45M |
| Warren County, MS | 58 | $3.94M |
| Monroe County, MS | 56 | $1.73M |
| Itawamba County, MS | 54 | $4.83M |
| County | Loans | Total |
|---|---|---|
| Humphreys County, MS | 33 | $3.05M |
| Calhoun County, MS | 31 | $4.23M |
| Washington County, MS | 21 | $3.09M |
| Pontotoc County, MS | 19 | $1.37M |
| Tate County, MS | 19 | $2.58M |
| Bolivar County, MS | 13 | $1.49M |
| Leflore County, MS | 12 | $1.46M |
| Madison County, MS | 12 | $1.55M |
| Carroll County, MS | 10 | $935K |
| Tallahatchie County, MS | 10 | $650K |
In this filing a small business loan is a commercial and industrial loan, or a loan secured by nonfarm nonresidential property, of $1 million or less when it was made. Multifamily loans are not included.
Only banks with about $1.6 billion or more in assets must file this data. The cutoff is set each year; it was $1.564 billion for 2024. A bank that is not listed here can still make small business loans.
How this filing was tied to this bank: FDIC certificate (respondent ID).
Program lists that name this lender
Membership, not lending volume
- Listed by CDFI Fund: List of Certified CDFIs as: Certified CDFI (October 21, 2026). Certified by the CDFI Fund as a Community Development Financial Institution. Kind of institution: Bank or Thrift. Certification: Certified by the CDFI Fund since 2014-03-25.
- Listed by USDA Rural Development: Section 538 Guaranteed Rural Rental Housing Program lender list as: USDA approved lender (October 17, 2026). Listed by USDA Rural Development as an approved lender. Kind of institution: commercial-bank. Status: Eligible Section 538 lender: reviewed and eligible, to be approved once its first loan closes.
Being on a list says the lender is a member of that program on the date shown. It does not say how much it lends.
CDFI Fund: List of Certified CDFIs, USDA Rural Development: Section 538 Guaranteed Rural Rental Housing Program lender list,
Undrawn commitments
FFIEC Call Report, June 30, 2026
- Guaranty Bank and Trust Company reported commitments to fund construction loans that had not been drawn at June 30, 2026: $38,097,000 for 1-4 family residential construction and $80,916,000 for commercial real estate, other construction and land development (FFIEC Call Report). A commitment is an agreement to fund a loan if it is drawn. It is not a loan made.
- Undrawn commitments to commercial and industrial borrowers at June 30, 2026: $82,886,000. These are credit lines not yet used.
Small loans it holds, by original size
FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30, June 30, 2026
Loans held on the report date, grouped by the amount when each loan was made. Not loans made in a period.
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 1,812 | $37.7M |
| Over $100,000 up to $250,000 | 230 | $19.4M |
| Over $250,000 up to $1 million | 167 | $49.8M |
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 240 | $9.40M |
| Over $100,000 up to $250,000 | 308 | $36.9M |
| Over $250,000 up to $1 million | 419 | $161M |
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 164 | $6.12M |
| Over $100,000 up to $250,000 | 148 | $18.5M |
| Over $250,000 up to $500,000 | 55 | $14.2M |
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 205 | $5.00M |
| Over $100,000 up to $250,000 | 47 | $4.37M |
| Over $250,000 up to $500,000 | 30 | $5.93M |
Where it lends
Offices beside loans on record
| State | Offices | Multifamily 2025 | 1-4 investor 2025 | SBA 7(a) 36 mo. | SBA 504 36 mo. |
|---|---|---|---|---|---|
| Mississippi HQ | 39 | 25 | 286 | 3 | 0 |
| Tennessee | 3 | 0 | 18 | 1 | 0 |
| Alabama | 0 | 1 | 2 | 1 | 0 |
| Florida | 0 | 0 | 2 | 0 | 0 |
| Arkansas | 0 | 0 | 1 | 0 | 0 |
| County | Recorded loans | Dollars |
|---|---|---|
| Bolivar County, MS | 6 | $2.09M |
| Monroe County, MS | 5 | $2.62M |
| Metro | Recorded loans | Dollars |
|---|---|---|
| Memphis, TN-MS-AR | 6 | $10.9M |
Offices by county
FDIC Summary of Deposits, June 30, 2026
- Guaranty Bank and Trust Company has 39 offices in 23 counties and 2 states (FDIC Summary of Deposits, June 30, 2026): 38 full service and 1 limited service.
| County | Full-service offices | Limited-service offices |
|---|---|---|
| Lafayette County, MS | 4 | 0 |
| Tishomingo County, MS | 4 | 0 |
| Washington County, MS | 4 | 0 |
| DeSoto County, MS | 3 | 0 |
| Lee County, MS | 3 | 0 |
| Panola County, MS | 2 | 0 |
| Warren County, MS | 1 | 1 |
| Shelby County, TN | 2 | 0 |
| Alcorn County, MS | 1 | 0 |
| Bolivar County, MS | 1 | 0 |
| Calhoun County, MS | 1 | 0 |
| Grenada County, MS | 1 | 0 |
| Humphreys County, MS | 1 | 0 |
| Itawamba County, MS | 1 | 0 |
| Leflore County, MS | 1 | 0 |
Loan production offices are not in this file. A bank with no office here can still lend here.
Capacity. Not a rating
Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.
| Measure | This lender | Its peers | How it is worked out | Source |
|---|---|---|---|---|
| Estimated largest single loan | $50.9M | $18.8M to $144M across 8 peers | Estimate: 15% of tier 1 capital plus allowance. A further 10% is allowed with readily marketable collateral, and state-chartered banks follow state limits. Not a limit the lender has stated. | FDIC call report, 12 CFR 32.3, Jun 30, 2026 |
| CRE to capital | 247.4% | 201.9% to 281.3% across 8 peers | (Construction + multifamily + non-owner-occupied CRE loans) divided by tier 1 capital plus allowance. | FDIC call report, |
| Construction to capital | 82.5% | 49.7% to 84.4% across 8 peers | Construction loans divided by tier 1 capital plus allowance. | FDIC call report, |
| Loans to deposits | 83.2% | 67.8% to 90.2% across 8 peers | Total loans divided by total deposits. | FDIC call report, |
| Unused CRE commitments | $119M | $40.3M to $515M across 8 peers | Commitments to lend on commercial real estate that are not yet drawn, up 8.4% from a year earlier. | FDIC call report, |
| Loans to assets | 71.8% | 50.8% to 78.5% across 8 peers | Total loans divided by total assets. | FDIC call report, |
Our calculation: construction, multifamily and non-owner-occupied nonfarm nonresidential loans, divided by tier 1 capital plus the allowance for loan losses. It is not the test in the 2006 interagency guidance on commercial real estate concentrations (December 12, 2006; OCC Bulletin 2006-46, Federal Reserve SR 07-1). That guidance measures against total risk-based capital, also counts loans that finance commercial real estate but are not secured by real estate, and looks more closely when construction and land loans reach 100% of that capital, or commercial real estate loans reach 300% of it and have grown 50% or more in the prior 36 months. This figure uses a different capital base, leaves out the unsecured loans and applies no growth condition. The guidance sets no limit on lending. Not a rating, and not a statement about safety or deposits.
Peers
Same kind of lender, similar size and book
| Lender | State | Total assets | Commercial book |
|---|---|---|---|
| BankFirst Financial Services | MS | $3.31B | $1.41B |
| Planters Bank & Trust Company | MS | $2.71B | $1.22B |
| Community Bank of Mississippi | MS | $5.09B | $1.94B |
| The Citizens National Bank of Meridian | MS | $1.89B | $956M |
| TownBridge Bank | MS | $1.35B | $485M |
| The Citizens Bank of Philadelphia, Mississippi | MS | $1.56B | $682M |
| BankPlus | MS | $8.38B | $4.37B |
| PriorityOne Bank | MS | $1.18B | $649M |
What we don't know
- Whether it is taking new loans today, or on what terms.
- How much of its book it made recently. Call reports carry balances, not loans made.
- Which of its commercial real estate is office, retail, industrial or hotel. Call reports do not split the book by property type.
- How its 1-4 family loans divide between owner-occupied and investor.
- Whether it takes brokers. No figure here means no evidence, not a refusal.
Check this page
Against the regulator's own record
- Name and charter. Guaranty Bank and Trust Company, FDIC certificate 15953. Compare it with the regulator's record. [FDIC BankFind]
- Balances. $3.07B in total assets and $1.53B in commercial loans held, from the call report for June 30, 2026. [Source]
- Loans made. 364 recorded loans from HMDA and SBA files, through September 30, 2026: 26 HMDA multifamily 2025, 24 HMDA multifamily 2024, 309 HMDA 1-4 unit investor 2025, 5 SBA 7(a) in 36 months. Each has its source and date. [How each file was tied to Guaranty Bank and Trust Company]
- Phone and website. Phone 800-847-7454, from the lender's website on November 9, 2026. Website gbtonline.com, from the FDIC record. [How to reach them]
- Small business loans reported under CRA. 1,330 small business loans reported in its CRA filing for 2024. [Source]
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For the record
Data as of June 30, 2026. Page last changed November 12, 2026.
- Regulator
- FDIC
- FDIC certificate
- 15953
- RSSD
- 84541
- LEI
- 5493007B7MEWKMDWUZ73
- The Lender Report ID
- lr_000597
- FDIC classifies this bank as
- Commercial Lending Specialization
- Ownership
- Stock
FDIC institution record, The classification is FDIC's description of the balance sheet. It is not a statement about what the bank will lend on.
- Reported $3.1B in total assets as of June 30, 2026 (FDIC call report).
- Held $1.5B of commercial and commercial real estate loans as of June 30, 2026 (FDIC call report).
- Held $445.6M of non-owner-occupied commercial real estate loans as of June 30, 2026, up 10.7% from a year earlier (FDIC call report).
- Held $295.9M of owner-occupied commercial real estate loans as of June 30, 2026, up 5.2% from a year earlier (FDIC call report).
- Held $279.9M of construction and land loans as of June 30, 2026, up 19.9% from a year earlier (FDIC call report).
- Originated 26 multifamily loans totaling $39.1M in 2025 (HMDA).
11 more sentences
- Originated 24 multifamily loans totaling $48.1M in 2024 (HMDA).
- Originated 309 1-4 unit investor or business-purpose loans totaling $56.1M in 2025 (HMDA).
- Recorded 5 SBA 7(a) approvals totaling $5.8M from October 1, 2023 to September 30, 2026 (SBA).
- Listed 42 offices in 2 states (FDIC).
- Reported making 1,330 small business loans totaling $139.2M in 2024, in its Community Reinvestment Act filing (FFIEC).
- Reported making 284 small farm loans totaling $32.6M in 2024, in its Community Reinvestment Act filing (FFIEC).
- Held 2,209 commercial and industrial loans that were $1 million or less when made, with a balance of $106.9M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
- Held 967 loans secured by nonfarm nonresidential property that were $1 million or less when made, with a balance of $206.8M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
- Reported commitments to fund construction loans that had not been drawn at June 30, 2026: $38.1M for 1-4 family and $80.9M for commercial and other construction (FFIEC Call Report). A commitment is not a loan made.
- Certified by the CDFI Fund as a Community Development Financial Institution. (CDFI Fund list, as of October 21, 2026).
- Listed by USDA Rural Development as an approved lender. (USDA list, as of October 17, 2026).
Cite this
Source: The Lender Report, Guaranty Bank and Trust Company, https://lender.report/lender/guaranty-bank-and-trust-ms/, data as of June 30, 2026.
Sources
- FDIC institution record, November 9, 2026
- FDIC office list, October 28, 2026
- FDIC call report, June 30, 2026
- FDIC call report, June 30, 2025
- HMDA, 2025
- SBA FOIA, September 30, 2026
- FFIEC Call Report, June 30, 2026
- FDIC call reports, June 30, 2026
- FFIEC CRA disclosure data, 2024
- FDIC Summary of Deposits, June 30, 2026
- CDFI Fund certified list, October 21, 2026
- USDA Rural Development lender list, October 17, 2026
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.
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Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem