This institution is no longer active

Operations ceased on September 11, 2004. CRA examination history below reflects the period it was active.

GUARANTY BANK

CHARLOTTESVILLE, VA · Supervised by OTS

Est. 1981FDIC #32,073

Outstanding Up

Current rating · Exam: November 1994

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Is this bank safe?

GUARANTY BANK earned an Outstanding CRA rating (1994).

Institution Profile

FDIC BankFind

Address

1658 State Farm Boulevard, CHARLOTTESVILLE, VA

County

Charlottesville City County

Established

February 5, 1981

Total Assets

$255M(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

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

November 14, 1994

Exam Type

Assessment Factor

Regulator

OTS

What is a CRA rating? →

⚠️This exam is 31 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Download Evaluation Report (PDF)

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	368	84.51%	4.08%
2020	1,293	85.69%	3.09%
2019	913	81.38%	7.67%
2018	907	83.57%	7.06%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Nov 1994	Outstanding	Assessment Factor
Oct 1993	Needs to Improve	Assessment Factor
Oct 1992	Satisfactory	Assessment Factor

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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