Guaranty Bank and Trust Company
Guaranty Bank and Trust Company is a state bank, not a federal reserve member based in Belzoni, Mississippi, with $3.1 billion in assets and $2.6 billion in deposits as of 30 June 2026. The FDIC’s 2026 branch survey counts 39 branches in 23 counties.
| FDIC certificate | 15953 |
|---|---|
| Charter class | State bank, not a Federal Reserve member |
| Established | Not published |
| Assets | $3.1 billion |
| Deposits | $2.6 billion |
| Offices | 42 |
| Net income, year to date | $16.6 million |
| Return on assets | 1.11% |
| Website | www.gbtonline.com |
| Mortgage lending | Guaranty Bank and Trust Company reported 1,045 mortgages made in 2025. |
Branches by county, 2026
| County | Branches | Deposits |
|---|---|---|
| Washington County, MS | 4 | $425.1 million |
| Tishomingo County, MS | 4 | $225.9 million |
| Lafayette County, MS | 4 | $166.1 million |
| DeSoto County, MS | 3 | $217.1 million |
| Lee County, MS | 3 | $44.2 million |
| Shelby County, TN | 2 | $179.8 million |
| Panola County, MS | 2 | $134.9 million |
| Warren County, MS | 2 | $44.4 million |
| Humphreys County, MS | 1 | $341.6 million |
| Oktibbeha County, MS | 1 | $144.2 million |
| Grenada County, MS | 1 | $136.8 million |
| Tate County, MS | 1 | $110.5 million |
| Bolivar County, MS | 1 | $100.3 million |
| Itawamba County, MS | 1 | $81.4 million |
| Leflore County, MS | 1 | $55.4 million |
| Prentiss County, MS | 1 | $42.3 million |
| Fayette County, TN | 1 | $40.6 million |
| Madison County, MS | 1 | $39.5 million |
| Sunflower County, MS | 1 | $37.7 million |
| Calhoun County, MS | 1 | $36.9 million |
| Monroe County, MS | 1 | $21.2 million |
| Pontotoc County, MS | 1 | $20.4 million |
| Alcorn County, MS | 1 | $1.9 million |
Closed since the 2025 survey
1 branch in the 2025 survey has no 2026 row: closed, sold, or moved.
- 51 Germantown Ct, Ste 100, Cordova, TN (Shelby)
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.