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Guaranty Bank Rates & Review October 2026

Q: How many branches does Guaranty Bank operate?

Guaranty Bank currently maintains approximately 13 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Guaranty Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Guaranty Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 7, 2026

Guaranty Bank's top rates as of October 7, 2026 are 2.75% APY on checking, personal loans from 17.24% APR, and credit cards from 17.24% APR, according to rates verified by MonitorBankRates. MonitorBankRates evaluates the financial stability of Guaranty Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.97%. Rates last updated and verified on 10/07/2026.

Guaranty Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Guaranty Bank? Share your experience about Guaranty Bank by leaving a review below, or read customer reviews before you decide to use Guaranty Bank.

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.97%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Guaranty Bank

2144 E Republic Rd
Springfield, MO 65804

https://www.gbankmo.com

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Guaranty Bank Checking Rates

Product	Rate	APY
Elevate Checking	-	2.75%
Min Deposit $50 Min Balance $0 Details Balance: $0.01 - $25,000.00 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 2.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.97%
Elevate Checking	-	0.25%
Min Deposit $50 Min Balance $25,000 Details Balance: $25,000.01 + Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.97%

Guaranty Bank Credit Card Rates

Product	Rate	APR	View More
Visa Signature	-	17.24%
Details Published APR range: 17.24% - 23.24%. Intro rate expires: 12 billing cycles; Regular APR: 17.24% - 23.24% Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 17.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.97%

Guaranty Bank Personal Loan Rates

Product	APR	Term	View More
Visa Signature	17.24%	12 billing cycles
Details Published APR range: 17.24% - 23.24%. Intro rate expires: 12 billing cycles; Regular APR: 17.24% - 23.24% Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 17.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.97%

Guaranty Bank Other Rates

Product	Rate	Points	APY/APR	Term
Cash Rewards Platinum Loan	-	-	17.24%	12 billing cycles
Details Published APR range: 17.24% - 27.24%. Intro rate expires: 12 billing cycles; Regular APR: 17.24% - 27.24% Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 17.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.97%
Rewards Platinum Loan	-	-	14.24%	12 billing cycles
Details Published APR range: 14.24% - 24.24%. Intro rate expires: 12 billing cycles; Regular APR: 14.24% - 24.24% Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 14.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.97%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Guaranty Bank’s Texas Ratio rose from 2.67% in Q3 2023 to 3.97% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$2.4B	3.97%	5.0	A+
March 31, 2026	$2.4B	4.03%	5.0	A+
December 31, 2025	$2.4B	4.27%	5.0	A+
September 30, 2025	$2.4B	4.97%	5.0	A+
June 30, 2025	$2.4B	3.27%	5.0	A+
March 31, 2025	$2.3B	3.07%	5.0	A+
December 31, 2024	$2.3B	3.20%	5.0	A+
September 30, 2024	$2.4B	1.78%	5.0	A+
June 30, 2024	$2.4B	1.62%	5.0	A+
March 31, 2024	$2.3B	1.24%	5.0	A+
December 31, 2023	$2.3B	2.30%	5.0	A+
September 30, 2023	$2.2B	2.67%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Guaranty Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Guaranty Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Guaranty Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Guaranty Bank

Bank Holding Company QCR HOLDINGS INC

Address 2144 E Republic Rd, Springfield, MO 65804 · Greene

Website https://www.gbankmo.com

FDIC Certificate # 58892

Established 20081024

FDIC Insurance Date 20081024

Domestic Offices 13

Total Branches 13

Regulator FED

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 98/100

5.0

Exceptional Out of 5.0 Stars

3.97%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.9504%

Return on Equity (ROE) 5.8200%

Non-Performing Loans (NPL) 0.68%

Total Assets $2,383,523,000

Total Deposits $1,879,402,000

Equity Capital $394,290,000

Net Income $11,438,000

Headquarters Springfield

Total Branches and Offices 13

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Guaranty Bank earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/banks/guaranty-bank-rates-review-58892">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About Guaranty Bank

How many branches does Guaranty Bank operate?

Guaranty Bank currently maintains approximately 13 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Guaranty Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Guaranty Bank provides members with tools to manage their accounts and build a solid financial history.

Does Guaranty Bank offer online and mobile banking?

Most modern institutions like Guaranty Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.gbankmo.com.