At a glance
From its website, read 2 Nov 2026Guaranty Bank and Trust Company is a bank or thrift based in New Roads, Louisiana. Its website describes farm loans, auto loans, commercial real estate loans and 5 other loan types.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Toll-free | (800) 668-2264 source |
|---|---|
| Website | www.guaranty-bnk.com |
| Office (official list) | P.O. Box 10, New Roads, LA 70760 |
What their website says about applying
For more information please stop by or call one of our loan specialists.
sourceStop by or call one of our lenders the next time you need a loan for your business.
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Bank or thrift |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 28 Jan 2022 |
| RSSD ID | 289739 |
| Address | P.O. Box 10, New Roads, LA 70760 Directions to the main office (Google Maps) |
| Website | www.guaranty-bnk.com |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 5 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. No loan amounts or service area are stated on the pages fetched, and the branch list alone does not define one. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Agriculture / farm loans | — | Agricultural Loans | source |
| Auto / vehicle loans | — | Auto and Truck Loans | source |
| Commercial real estate loans | — | Our bankers have a strong track record of success with commercial real estate developers, corporations and individuals | source |
| Equipment loans | — | We offer Production Lines of Credit, Equipment Loans, and Real Estate Loans. | source |
| Home repair / improvement loans | — | Our Home Improvement Loan is a fixed rate loan that is to be used for home improvement projects. | source |
| Home mortgages | — | We offer a wide variety of home loan products for your home purchase, refinance, construction, or home equity needs. | source |
| Personal / consumer loans | — | Personal loans are ideal for situations when you just need a little extra. You’ll have the freedom and flexibility to finance a big purchase | source |
| Small-business loans | — | Small Business Loans | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Not stated on the pages we read.
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
No online application link found on the pages we read.
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your auto loans and home repair loans?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - What interest rate and fees should I expect on your farm loans and commercial real estate loans?
Their website does not state a rate for this. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$747,719 in 3 awards from the U.S. Treasury's CDFI Fund, 2021–2024 (Bank Enterprise Award Program).
| Round year | Program | Amount |
|---|---|---|
| 2024 | Bank Enterprise Award Program | $280,369 |
| 2023 | Bank Enterprise Award Program | $437,350 |
| 2021 | Bank Enterprise Award Program | $30,000 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
FDIC, 30 Jun 2026On file with the FDIC as Guaranty Bank and Trust Company (FDIC cert 17767). Source: FDIC BankFind Suite (public data): total assets from the Call Report as of 30 Jun 2026; office list as of 30 Oct 2026, downloaded 3 Nov 2026.
| Total assets | $318.5 million (as of 30 Jun 2026) |
|---|---|
| Offices | 7 (as of 30 Oct 2026) |
Offices by state and county (7)
Louisiana (7 offices)
- East Baton Rouge Parish (2): 7474 Florida Blvd, Baton Rouge 70806; 6800 Main St, Zachary 70791
- Iberville Parish (2): 17445 La-77, Grosse Tete 70740; 11070 State Highway 77, Maringouin 70757
- Pointe Coupee Parish (2): 175 New Roads St, New Roads 70760 (main office); 3026 La Highway 78, Livonia 70755
- West Baton Rouge Parish (1): 1086 Lobdell Hwy, Port Allen 70767
An office shows where the lender has a branch, not where it lends or whom it lends to.
What the regulator filing shows
Call Report, 30 Jun 2026Figures from the Call Report filed by Guaranty Bank and Trust Company (RSSD 289739, FDIC cert 17767). Source: FFIEC Central Data Repository, bulk Call Report data (public data), report date 30 Jun 2026; year-earlier figures from the 30 Jun 2025 report; downloaded 4 Nov 2026. Schedules RC-C Parts I and II, dollar amounts filed in thousands.
| Total loans and leases | $220.1 million (as of 30 Jun 2026, net of unearned income) |
|---|---|
| Change over the year | Down 2.2% from $225 million on 30 Jun 2025 |
| Total assets | $318.5 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| Home mortgages (1-4 family, closed-end) | $95.4 million | 43.4% |
| Commercial real estate, construction and multifamily | $79.3 million | 36.1% |
| Commercial and industrial (business) loans | $6.8 million | 3.1% |
| Farmland and farm production loans | $33.1 million | 15.0% |
| Consumer loans (credit cards, auto, other) | $4.8 million | 2.2% |
| All other loans and leases | $520,000 | 0.2% |
None reported on the 30 Jun 2026 report: home equity lines of credit.
Within consumer loans: auto loans $1.1 million.
Small business loans (original amount $1 million or less, balances on 30 Jun 2026)
| Original loan amount | Secured by business property | Commercial and industrial |
|---|---|---|
| Up to $100,000 | 23 loans $1.2 million | 75 loans $2 million |
| $100,001 to $250,000 | 32 loans $4.1 million | 13 loans $1.5 million |
| $250,001 to $1 million | 42 loans $19.2 million | 4 loans $894,000 |
| All small business loans | 97 loans $24.4 million | 92 loans $4.4 million |
Small farm loans (original amount $500,000 or less, balances on 30 Jun 2026)
| Original loan amount | Secured by farmland | Farm production |
|---|---|---|
| Up to $100,000 | 5 loans $200,000 | 26 loans $830,000 |
| $100,001 to $250,000 | 7 loans $1.2 million | 20 loans $2.6 million |
| $250,001 to $500,000 | 7 loans $2.7 million | 14 loans $4.4 million |
| All small farm loans | 19 loans $4.1 million | 60 loans $7.9 million |
Balances are loans outstanding on the report date, not loans made during the year, and they include loans the bank bought. Shares are of gross loans and leases. The change over the year includes loans gained through mergers or bought from others. A category with no balance does not mean the bank never makes that kind of loan; ask the bank.
Home loans reported under HMDA (2025)
FFIEC HMDA data, 2025Guaranty Bank and Trust Company reported 109 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $19.2M (median loan about $105,000). 21 were home-purchase loans.
By loan purpose
| Purpose | Loans | Share |
|---|---|---|
| Home purchase | 21 | 19% |
| Refinance (incl. cash-out) | 81 | 74% |
| Home improvement | 3 | 2.8% |
| Other purpose | 4 | 3.7% |
By loan type
| Loan type | Loans | Share |
|---|---|---|
| Conventional | 109 | 100% |
Included above: 12 loans on manufactured homes; 13 loans on multifamily (5+ unit) properties.
Where the loans were made
Counties with the most 2025 originations, out of 13 counties with at least one; 100% of its 2025 loans were for properties in Louisiana:
- Pointe Coupee Parish, LA (35)
- East Baton Rouge Parish, LA (30)
- Iberville Parish, LA (14)
- West Baton Rouge Parish, LA (8)
- Ascension Parish, LA (5)
- East Feliciana Parish, LA (4)
- Livingston Parish, LA (4)
- West Feliciana Parish, LA (3)
Filed under LEI 549300MZ53GGF2499G54 as “Guaranty Bank and Trust Compan”; matched by its RSSD ID on the CDFI Fund list, which the HMDA reporter panel links to this LEI.
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $318.5 million | Larger than 49% of the 72 other certified banks and bank holding companies in Louisiana (median $334.7 million). |
| Loans as a share of assets | 69% | Median of the same 72 banks and bank holding companies: 73%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $225 million → $220.1 million (-2%) | Median change of 72 other certified banks and bank holding companies in Louisiana: +4%. Rank by loans held among these 73: 39 → 37. |
| Home loans originated in 2025 (HMDA) | 109 | More than 47% of the 263 other certified CDFIs that reported 3 or more (120 at the median). Volume only; nothing here is an approval rate. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified banks and bank holding companies in Louisiana | 72 | larger than 49% |
| Loans held then vs now | certified banks and bank holding companies in Louisiana reporting both dates | 72 | rank 39 → 37 of 73 |
| HMDA home loans | certified CDFIs with 3+ originations in 2025, nationwide | 263 | more than 47% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Home loans: FFIEC/CFPB HMDA data.
SBA loans approved
SBA data as of 30 Sep 2026The SBA's public loan data lists 1 SBA-backed approval for Guaranty Bank and Trust Company in fiscal years 2020–2026 (October 2019 to September 2026):
- 1 504 projects as the third-party (first-lien) lender
By fiscal year: FY2020 0 · FY2021 0 · FY2022 0 · FY2023 0 · FY2024 0 · FY2025 0 · FY2026 1.
By program
- 504 projects (as the third-party lender) (1, 100%)
How this lender was matched in the SBA files: 504 third-party lender name: same name, state and city (SBA lists “Guaranty Bank and Trust Company”).
Approved is not the same as paid out: an approved loan can be reduced or never drawn. SBA lists the lender each loan is currently assigned to, which can differ after a merger or loan sale. Guaranty Bank and Trust Company may also make loans outside SBA programs, which are not counted here, and SBA Microloans are not in these files. For 504 projects, the CDC amount is the SBA-backed portion and the third-party lender amount is that lender's own first-lien loan.
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.
Other certified CDFIs in New Roads and Louisiana
- Great Guaranty Bancshares, Inc.Bank holding company · New Roads, LAOfficial list only
- 705 Federal Credit UnionCredit union · Lafayette, LAAuto / vehicle loans, Credit-builder loans, Microloans, Home mortgages…Verified
- American Bank & Trust CompanyBank or thrift · Opelousas, LAAgriculture / farm loans, Commercial real estate loans, Home mortgages, Personal / consumer loans…Verified
- Ascension Credit UnionCredit union · Gonzales, LAAuto / vehicle loans, Commercial real estate loans, Credit-builder loans, Equipment loans…Verified
- BASILE STATE BANKBank or thrift · Basile, LAAuto / vehicle loans, Home repair / improvement loans, Personal / consumer loansVerified
- BOM BankBank or thrift · Natchitoches, LAAuto / vehicle loans, Credit-builder loans, Home mortgages, Personal / consumer loans…Verified
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