🏦Bank Scorer

GUARANTY BANK & TRUST COMPANY OF DELHI, LOUISIANA

DELHI, LA · Supervised by FDIC

Est. 1966FDIC #19,638RSSD: FDIC-19638
Part ofDELHI BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: August 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.20%

Institution Profile

FDIC BankFind

Address

120 Oak St, DELHI, LA

County

Richland County

Established

October 15, 1966

Total Assets

$451M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

August 1, 2025

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Aug 2029(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$451M

Total Deposits

$406M

Net Loans

$326M

Net Income

$1M

ROA

1.20%

ROE

14.49%

Risk-Based Capital

15.94%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate4.35%Peer avg: 7.63%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

10

Branch Deposits

$381M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202429986.96%4.35%
202334790.2%4.03%
202245391.83%2.21%
202146981.66%3.62%
202033882.54%6.51%
201932078.75%6.88%
201826883.21%5.97%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

9 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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