At a glance
From its website, read 2 Nov 2026Guaranty Bank and Trust Company is a bank or thrift based in Belzoni, Mississippi. Its website describes farm loans, auto loans, commercial real estate loans and 6 other loan types. It says it considers borrowers with low or no credit history. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Apply online | Page with the application link |
|---|---|
| Website | www.gbtonline.com |
| Office (official list) | 210 Hayden Street, Belzoni, MS 39038 |
What their website says about applying
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Who qualifies, in their words
- Low or damaged credit considered
those individuals in our communities who would like the opportunity to build a good credit record or to repair their credit
source - Training or counseling required
Applicants who have completed a Guaranty Bank approved financial education course within the previous 24 months
source - Collateral flexible or not always required
There is no collateral requirement for qualified applicants, and approval is fast and convenient.
source - Collateral required
A HELOC is a type of loan that is secured by your house
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Bank or thrift |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 25 Mar 2014 |
| RSSD ID | 84541 |
| Address | 210 Hayden Street, Belzoni, MS 39038 Directions (Google Maps) |
| Website | www.gbtonline.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 6 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: high. No service area or state is named on the pages fetched, and most business loan pages give no amounts. 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 | — | Our agricultural loan products can help you fund production expenses related to farming operations and day-to-day costs, real estate or equipment purchases. | source |
| Auto / vehicle loans | — | An auto loan delivers the opportunity to purchase or refinance a new or used vehicle or motorcycle. | source |
| Commercial real estate loans | — | Loans for purchase and refinance of owner-occupied commercial properties and investment properties are available with various flexible repayment terms and competitive interest rates. | source |
| Credit-builder loans | — | We are proud to offer this product to those individuals in our communities who would like the opportunity to build a good credit record or to repair their credit. | source |
| Equipment loans | — | Our expert financing solutions can help you own or lease new or used equipment. | source |
| Home mortgages | $10,000 – $500,000 | With credit lines ranging from $10,000 to $500,000, the choices are endless. | source |
| Personal / consumer loans | — | Sometimes referred to as a personal loan, our unsecured installment loan option can provide funds for any number of personal expenses. | source |
| SBA-backed loans (7(a)/504/Community Advantage) | up to $5M | We help you choose and facilitate SBA loans with borrowing potential up to $5 million and with short or long terms, depending on your needs. | source |
| Small-business loans | — | We offer flexible credit lines with repayment terms dependent on use. | source |
Loan sizes
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
Yes — the site links to an application. we offer online applications for the following personal loan options:
source
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 credit-builder 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. - How long can I take to repay?
No repayment terms are stated on their website. - Do you offer down-payment help, and is a homebuyer education course required?
CDFI home loans often come with homebuyer education or down-payment help; their website does not say. - 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$13.8 million in 24 awards from the U.S. Treasury's CDFI Fund, 2005–2024 (4 programs).
| Round year | Program | Amount |
|---|---|---|
| 2024 | Bank Enterprise Award Program | $280,369 |
| 2024 | Small Dollar Loan Program | $130,296 |
| 2023 | Bank Enterprise Award Program | $437,350 |
| 2023 | Bank Enterprise Award Program | $18,497 |
| 2022 | CDFI Equitable Recovery Program | $2,478,839 |
| 2022 | CDFI Equitable Recovery Program | $2,478,839 |
| 2021 | Bank Enterprise Award Program | $170,699 |
| 2021 | Bank Enterprise Award Program | $170,699 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2020 | Bank Enterprise Award Program | $202,898 |
| 2020 | Bank Enterprise Award Program | $202,898 |
| 2019 | Bank Enterprise Award Program | $245,547 |
| 2019 | Bank Enterprise Award Program | $135,000 |
| 2018 | Bank Enterprise Award Program | $233,244 |
| 2017 | Bank Enterprise Award Program | $233,389 |
| 2016 | Bank Enterprise Award Program | $227,282 |
| 2015 | Bank Enterprise Award Program | $265,496 |
| 2014 | Bank Enterprise Award Program | $355,000 |
| 2013 | Bank Enterprise Award Program | $323,000 |
| 2012 | Bank Enterprise Award Program | $415,000 |
| 2011 | Bank Enterprise Award Program | $500,000 |
| 2010 | Bank Enterprise Award Program | $600,000 |
| 2005 | Bank Enterprise Award Program | $18,000 |
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 15953). 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 | $3.1 billion (as of 30 Jun 2026) |
|---|---|
| Offices | 42 in 2 states (as of 30 Oct 2026) |
Offices by state and county (42)
Mississippi (39 offices)
- Alcorn County (1): 604 Cruise Street, Corinth 38834
- Bolivar County (1): 307 N Davis Ave, Cleveland 38732
- Calhoun County (1): 106 South Main Street, Derma 38839
- DeSoto County (4): 2440 Mcingvale Rd, Hernando 38632; 2600 Panola St, Hernando 38632; 2600 Panola St, Hernando 38632; 6030 Getwell Rd, Southaven 38672
- Grenada County (1): 1433 Sunset Dr, Grenada 38901
- Humphreys County (1): 210 N Hayden St, Belzoni 39038 (main office)
- Itawamba County (1): 401 Interchange Dr, Fulton 38843
- Lafayette County (5): 1500 University Ave, Oxford 38655; 1800 Jackson Ave W, Oxford 38655; 404 Enterprise Dr, Oxford 38655; 404 Enterprise Drive, Oxford 38655; 602 S 16th St, Oxford 38655
- Lee County (3): 173 Mobile St, Saltillo 38866; 4289 N Gloster St, Tupelo 38804; 431 W Main St, Tupelo 38804
- Leflore County (1): 122 Howard St, Greenwood 38930
- Madison County (1): 405 W Parkway Place, Ridgeland 39157
- Monroe County (1): 200 Main St S, Amory 38821
- Oktibbeha County (1): 100 Mill St, Starkville 39759
- Panola County (2): 1200 Highway 6 E, Batesville 38606; 470 Highway 6 E, Batesville 38606
- Pontotoc County (2): 1882 Highway 15 N, Pontotoc 38863; 25 S Liberty St, Pontotoc 38863
- Prentiss County (1): 1102 N 2nd St, Booneville 38829
- Sunflower County (1): 215 Highway 82 W, Indianola 38751
- Tate County (1): 5040 Highway 51 N, Senatobia 38668
- Tishomingo County (4): 362 2nd St, Belmont 38827; 1 Fulton St, Burnsville 38833; 1251 First American Dr, Iuka 38852; 1309 Main St, Tishomingo 38873
- Warren County (2): 3430 Halls Ferry Rd, Vicksburg 39180; 1900 Cherry St, Vicksburg, 39180
- Washington County (4): 2249 Highway 82 W, Greenville 38701; 2300 Highway 1 S, Greenville 38701; 536 Washington Ave, Greenville 38701; 201 East Ave S, Hollandale 38748
Tennessee (3 offices)
- Fayette County (1): 5960 Highway 64, Oakland 38060
- Shelby County (2): 464 N Front St, Memphis 38105; 4894 Poplar Avenue, Memphis 38117
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 84541, FDIC cert 15953). 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 | $2.20 billion (as of 30 Jun 2026, net of unearned income) |
|---|---|
| Change over the year | Up 9.1% from $2.02 billion on 30 Jun 2025 |
| Total assets | $3.07 billion (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| Home mortgages (1-4 family, closed-end) | $442.6 million | 20.0% |
| Home equity lines of credit | $96.6 million | 4.4% |
| Commercial real estate, construction and multifamily | $1.14 billion | 51.3% |
| Commercial and industrial (business) loans | $256.9 million | 11.6% |
| Farmland and farm production loans | $186.3 million | 8.4% |
| Consumer loans (credit cards, auto, other) | $42.7 million | 1.9% |
| All other loans and leases | $53.4 million | 2.4% |
Within consumer loans: auto loans $23.3 million, credit cards $2.5 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 | 240 loans $9.4 million | 1,812 loans $37.7 million |
| $100,001 to $250,000 | 308 loans $36.9 million | 230 loans $19.4 million |
| $250,001 to $1 million | 419 loans $160.5 million | 167 loans $49.8 million |
| All small business loans | 967 loans $206.8 million | 2,209 loans $106.9 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 | 164 loans $6.1 million | 205 loans $5 million |
| $100,001 to $250,000 | 148 loans $18.5 million | 47 loans $4.4 million |
| $250,001 to $500,000 | 55 loans $14.2 million | 30 loans $5.9 million |
| All small farm loans | 367 loans $38.7 million | 282 loans $15.3 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 1,045 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $256M (median loan about $165,000). 759 were home-purchase loans.
By loan purpose
| Purpose | Loans | Share |
|---|---|---|
| Home purchase | 759 | 73% |
| Refinance (incl. 13 cash-out) | 217 | 21% |
| Home improvement | 47 | 4.5% |
| Other purpose | 22 | 2.1% |
By loan type
| Loan type | Loans | Share |
|---|---|---|
| Conventional | 934 | 89% |
| FHA-insured | 83 | 7.9% |
| VA-guaranteed | 15 | 1.4% |
| USDA (RHS or FSA) | 13 | 1.2% |
Included above: 32 loans on manufactured homes; 26 loans on multifamily (5+ unit) properties.
Where the loans were made
Counties with the most 2025 originations, out of 72 counties with at least one; 93% of its 2025 loans were for properties in Mississippi:
- Lafayette County, MS (104)
- DeSoto County, MS (96)
- Lee County, MS (83)
- Tishomingo County, MS (69)
- Washington County, MS (65)
- Alcorn County, MS (57)
- Itawamba County, MS (46)
- Panola County, MS (41)
Filed under LEI 5493007B7MEWKMDWUZ73 as “GUARANTY BANK & TRUST COMPANY”; 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 |
|---|---|---|
| Median SBA 7(a) loan it approved, FY2020–FY2026 | $578,550 (20 loans) | All 7(a) lenders in Mississippi: $222,350. Larger than the median loan of 92% of the 97 other certified CDFIs with 10 or more 7(a) loans. |
| SBA approvals, FY2023–24 → FY2025–26 | 2 → 3 | Rank among the 16 certified CDFIs in Mississippi with SBA approvals in either period: 11 → 10. |
| Total assets (Call Report, 30 Jun 2026) | $3.07 billion | Larger than 91% of the 82 other certified banks and bank holding companies in Mississippi (median $408.8 million). |
| Loans as a share of assets | 72% | Median of the same 82 banks and bank holding companies: 62%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $2.02 billion → $2.20 billion (+9%) | Median change of 82 other certified banks and bank holding companies in Mississippi: +8%. Rank by loans held among these 83: 5 → 7. |
| Home loans originated in 2025 (HMDA) | 1,045 | More than 93% of the 263 other certified CDFIs that reported 3 or more (119 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 |
|---|---|---|---|
| Median SBA 7(a) loan | certified CDFIs with 10+ 7(a) loans, nationwide | 97 | larger than 92% |
| SBA approvals then vs now | certified CDFIs in Mississippi with SBA approvals FY2023–2026 | 15 | rank 11 → 10 of 16 |
| Call Report total assets | other certified banks and bank holding companies in Mississippi | 82 | larger than 91% |
| Loans held then vs now | certified banks and bank holding companies in Mississippi reporting both dates | 82 | rank 5 → 7 of 83 |
| HMDA home loans | certified CDFIs with 3+ originations in 2025, nationwide | 263 | more than 93% |
“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; your rate depends on the loan and on the lender's review. Peer groups and sources: methodology. SBA 7(a) & 504 FOIA data as of 30 Sep 2026. 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 21 SBA-backed approvals for Guaranty Bank and Trust Company in fiscal years 2020–2026 (October 2019 to September 2026):
- 20 7(a) loans as the lender: $14.9M in total (gross amount approved), median $578,550
- 1 504 projects as the third-party (first-lien) lender
By fiscal year: FY2020 4 · FY2021 8 · FY2022 4 · FY2023 0 · FY2024 2 · FY2025 3 · FY2026 0.
What actually happened
- Size of its 7(a) loans: half were between $227,775 and $873,750, median $578,550 (20 loans)
- Term of its 7(a) loans: median 120 months (10 years) (20 loans)
- Fixed or variable: 30% of its 7(a) loans had a fixed rate (20 loans)
- Young businesses: 35% of its 7(a) loans went to a startup or a business two years old or less (20 loans with an answer)
Descriptive only: what the SBA file records for loans this lender approved in fiscal years 2020–2026. Each figure covers at least 10 loans; with fewer we show nothing. It is not an offer, not the rate or term you would get, and says nothing about your chance of approval.
By program
- 7(a) standard (18, 86%)
- 7(a) SBA Express (2, 10%)
- 504 projects (as the third-party lender) (1, 5%)
Borrower industries
NAICS sector, 3 or more loans.
- Retail trade (4)
- Arts, entertainment, and recreation (3)
- Other services (except public administration) (3)
How this lender was matched in the SBA files: FDIC cert 15953, found through the RSSD ID on the CDFI Fund list (SBA lists “Guaranty Bank and Trust Company”); 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 Belzoni and Mississippi
- BANKPLUSBank or thrift · Belzoni, MSCredit-builder loans, Home mortgages, Personal / consumer loans, Small-business loansVerified
- Guaranty Capital CorporationBank holding company · Belzoni, MSOfficial list only
- BANK OF BROOKHAVENBank or thrift · Brookhaven, MSAuto / vehicle loans, Home repair / improvement loans, Home mortgages, Small-business loansVerified
- Bancorp Of Okolona, INcBank holding company · Okolona, MSVerified
- Bank of AnguillaBank or thrift · Anguilla, MSAgriculture / farm loans, Auto / vehicle loans, Commercial real estate loans, Equipment loans…Verified
- Bank of CommerceBank or thrift · Greenwood, MSAgriculture / farm loans, Auto / vehicle loans, Credit-builder loans, Home repair / improvement loans…Verified
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