How to reach them and apply
| Lending | (304) 475-4750 source |
|---|---|
| Lending | (304) 664-3535 source |
| Website | www.guarantybank.us |
| Office (official list) | 10 Commerce Drive, Williamson, WV 25661 |
What their website says about applying
Contact your local branch to speak with one of our Loan Specialist today!
sourceContact one of our Loan Specialist at your local Guaranty Bank for a list of our current products and services available.
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) | 24 Aug 2026 |
| RSSD ID | 706236 |
| Address | 10 Commerce Drive, Williamson, WV 25661 Directions (Google Maps) |
| Website | www.guarantybank.us |
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
Not yet verifiedWe read 10 pages of this lender's website on 3 Nov 2026 but could not confirm any loan product, loan size or service area there, so we list nothing rather than guess. That doesn't mean it lacks them. Check www.guarantybank.us or contact the lender directly.
Questions to ask when you contact them
Based on what their website said when we read it on 3 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- What kinds of loans do you make, and which one fits what I need?
We have no loan details from their website. - Do you lend where I live, or where my business is?
- What are the smallest and the largest loans you make?
- What interest rate and fees should I expect? For a personal, car or home loan, ask for the APR.
- 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$717,719 in 2 awards from the U.S. Treasury's CDFI Fund, 2023–2024 (Bank Enterprise Award Program).
| Round year | Program | Amount |
|---|---|---|
| 2024 | Bank Enterprise Award Program | $280,369 |
| 2023 | Bank Enterprise Award Program | $437,350 |
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 Inc. (FDIC cert 22273). 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 | $152.4 million (as of 30 Jun 2026) |
|---|---|
| Offices | 5 (as of 30 Oct 2026) |
Offices by state and county (5)
West Virginia (5 offices)
- Kanawha County (1): 1320 Kanawha Blvd E, Charleston 25301
- Mingo County (3): 10 Commerce Dr, Williamson 25661 (main office); U.S. Highway 52 And State Route 65, Delbarton 25670; 82 Second Avenue, Gilbert 25621
- Wayne County (1): 608 Hendricks Street, Wayne 25570
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 Inc. (RSSD 706236, FDIC cert 22273). 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 | $117.2 million (as of 30 Jun 2026, net of unearned income) |
|---|---|
| Change over the year | Down 0.6% from $117.9 million on 30 Jun 2025 |
| Total assets | $152.4 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| Home mortgages (1-4 family, closed-end) | $36 million | 30.7% |
| Home equity lines of credit | $1.9 million | 1.6% |
| Commercial real estate, construction and multifamily | $64.5 million | 55.0% |
| Commercial and industrial (business) loans | $9.7 million | 8.3% |
| Farmland and farm production loans | $119,000 | 0.1% |
| Consumer loans (credit cards, auto, other) | $4.9 million | 4.2% |
Within consumer loans: auto loans $2.6 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 | 21 loans $905,000 | 49 loans $1.3 million |
| $100,001 to $250,000 | 30 loans $3.6 million | 6 loans $702,000 |
| $250,001 to $1 million | 46 loans $20.9 million | 13 loans $4.3 million |
| All small business loans | 97 loans $25.4 million | 68 loans $6.4 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 | none reported | none reported |
| $100,001 to $250,000 | 1 loan $119,000 | none reported |
| $250,001 to $500,000 | none reported | none reported |
| All small farm loans | 1 loan $119,000 | none reported |
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.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $152.4 million | Larger than 25% of the 8 other certified banks and bank holding companies in West Virginia (median $201.4 million). |
| Loans as a share of assets | 77% | Median of the same 8 banks and bank holding companies: 71%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $117.9 million → $117.2 million (-1%) | Median change of 8 other certified banks and bank holding companies in West Virginia: +7%. Rank by loans held among these 9: 7 → 7. |
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 West Virginia | 8 | larger than 25% |
| Loans held then vs now | certified banks and bank holding companies in West Virginia reporting both dates | 8 | rank 7 → 7 of 9 |
“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).
Other certified CDFIs in Williamson and West Virginia
- Calhoun County Bank, Inc.Bank or thrift · Grantsville, WVAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified
- Element Federal Credit UnionCredit union · Charleston, WVAuto / vehicle loans, Credit-builder loans, Home repair / improvement loans, Personal / consumer loansVerified
- FNB Bank, IncorporatedBank or thrift · Romney, WVAgriculture / farm loans, Auto / vehicle loans, Credit-builder loans, Home mortgages…Verified
- Partner Community Capital, Inc.Loan fund · Charles Town, WVAgriculture / farm loans, Commercial real estate loans, Equipment loans, Microloans…Verified
- Pioneer Community Bank, Inc.Bank or thrift · Iaeger, WVAuto / vehicle loans, Commercial real estate loans, Equipment loans, Home mortgages…Verified
- Whitesville State BankBank or thrift · Whitesville, WVAuto / vehicle loans, Home repair / improvement loans, Home mortgages, Personal / consumer loans…Verified
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