Official record
CDFI Fund list, 21 Oct 2026| Institution type | Bank holding company |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 18 Jun 2014 |
| RSSD ID | 1096952 |
| Address | 210 Hayden Street, Belzoni, MS 39038 Directions (Google Maps) |
| Website | Not given on the official list (listed as “Not Available”) |
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 have not yet read this lender's website, so we can't list its loan products, sizes or service area. That doesn't mean it lacks them. The official list gives no website for this lender; contact it at the address above.
Questions to ask when you contact them
We have no details from their website yet, so these are the basics to ask any lender. 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?
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$9.7 million in 13 awards from the U.S. Treasury's CDFI Fund, 2013–2023 (Bank Enterprise Award Program; CDFI Program, Financial Assistance; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2023 | Bank Enterprise Award Program | $437,350 |
| 2021 | Bank Enterprise Award Program | $170,699 |
| 2021 | CDFI Program, Financial Assistance | $766,530 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2020 | Bank Enterprise Award Program | $202,898 |
| 2020 | CDFI Program, Financial Assistance | $794,500 |
| 2020 | CDFI Program, Financial Assistance | $637,500 |
| 2019 | Bank Enterprise Award Program | $245,547 |
| 2019 | CDFI Program, Financial Assistance | $799,000 |
| 2019 | CDFI Program, Financial Assistance | $374,000 |
| 2017 | CDFI Program, Financial Assistance | $1,006,905 |
| 2014 | CDFI Program, Financial Assistance | $1,100,000 |
| 2013 | CDFI Program, Financial Assistance | $1,347,000 |
Emergency Capital Investment Program (ECIP)
Treasury invested $183.8 million in this institution under ECIP, by buying preferred stock or subordinated debt (an investment, not a grant; it is not counted in the award total). ECIP type on the list: CDFI. Source: U.S. Treasury ECIP participant list (last updated Mar 2025), downloaded 3 Nov 2026.
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 2026Subsidiary bank on file with the FDIC: Guaranty Bank and Trust Company (FDIC cert 15953, total assets $3.1 billion). 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 2026A bank holding company files no Call Report of its own. These figures are from its subsidiary bank, Guaranty Bank and Trust Company (RSSD 84541, FDIC cert 15953), the only active bank the FDIC lists under this holding company. 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 by its bank (2025)
FFIEC HMDA data, 2025The HMDA reporter panel lists Guaranty Capital Corporation as the parent or top holder of this filer, which is also a certified CDFI with its own page:
- Guaranty Bank and Trust Company: 1,045 originated home loans
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) | $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. |
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 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 |
“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).
SBA loans approved
SBA data as of 30 Sep 2026SBA loan data names this holding company's bank, not the holding company. Its subsidiary Guaranty Bank and Trust Company is certified separately and shows its SBA 7(a) and 504 approvals for FY2020–FY2026 on its own page.
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 Bank and Trust CompanyBank or thrift · Belzoni, MSAgriculture / farm loans, Auto / vehicle loans, Commercial real estate loans, Credit-builder loans…Verified
- 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
Work at Guaranty Capital Corporation? Link to this page
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