Guaranty Bank and Trust Company
Guaranty Bank and Trust Company is an FDIC insured institution headquartered at
210 N Hayden St, Belzoni, MS 39038.
It was founded in
1943 and has approximately $3 billion in assets. Customers can open an account at one of its 18 branches.
Deposit Rates - December 11, 2025
| SAVINGS RATES | APY | MIN | |
|---|---|---|---|
|
Savings
|
0.04% | $2,500 | Compare |
| CD RATES | APY | MIN | |
|---|---|---|---|
|
6 Mo CD
|
0.20% | $10,000 | Compare |
|
6 Mo CD
|
0.25% | $100,000 | Compare |
|
12 Mo CD
|
0.30% | $10,000 | Compare |
|
12 Mo CD
|
0.35% | $100,000 | Compare |
|
18 Mo CD
|
0.33% | $10,000 | Compare |
|
18 Mo CD
|
0.38% | $100,000 | Compare |
|
24 Mo CD
|
0.43% | $10,000 | Compare |
|
24 Mo CD
|
0.48% | $100,000 | Compare |
|
36 Mo CD
|
0.48% | $10,000 | Compare |
|
36 Mo CD
|
0.53% | $100,000 | Compare |
|
48 Mo CD
|
0.53% | $10,000 | Compare |
|
48 Mo CD
|
0.58% | $100,000 | Compare |
|
60 Mo CD
|
0.56% | $10,000 | Compare |
|
60 Mo CD
|
0.61% | $100,000 | Compare |
| MM RATES | APY | MIN | |
|---|---|---|---|
|
Money Market
|
0.02% | $2,500 | Compare |
|
Money Market
|
0.02% | $10,000 | Compare |
|
Money Market
|
0.07% | $25,000 | Compare |
| VARIABLE IRA RATES | APY | MIN |
|---|---|---|
|
Var IRA
|
0.07% | $1 |
| INT CHECKING RATES | APY | MIN |
|---|---|---|
|
Int Ckg
|
0.02% | $2,500 |
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Four Leaf Federal Credit Union
NMLS ID: 449104 / Updated 2025-10-31Intro APR: 5.990 %
After Intro:7.250 %
Intro Period: 12 months
$25,000 - Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.
Featured 30-Year Fixed Mortgage Rates
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NMLS ID: 6138395.863% $1,868 Fees & Points $3,958 Total
0.647 Pts ($2,070)
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PenFed Credit Union
NMLS ID: 4018226.174% $1,919 Fees & Points $6,000 Total
0.875 Pts ($2,800)
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NMLS ID: 167283Fees & Points Total
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$0 Fees - Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.
Overview 2025
General Bank Information
| FDIC Insured | Yes |
| FDIC Certificate | # 15953 |
| Date Established | 1943 |
| Assets | $ 2.85 billion |
| Loans | $ 1,993.67 million |
| Deposits | $ 2.37 billion |
| Capital | $ 315.67 million |
Summary Balance Sheet as of June 30, 2025
| ASSETS | |
| Cash & Balances due from depository institutions | $ 83.29 million |
| Interest-bearing balances | $ 35.85 million |
| Total securities | $ 562.17 million |
| Federal funds sold and reverse repurchase | $ 2.24 million |
| Net loans and leases | $ 1,993.67 million |
| Loan loss allowance | $ 25.89 million |
| Trading account assets | N.A. |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | $ 7.54 million |
| Goodwill and other intangibles | $ 41.68 million |
| All other assets | $ 42.86 million |
| Total Assets | $ 2.53 billion |
| LIABILITIES | |
| Total deposits | $ 2.37 billion |
| Interest-bearing deposits | $ 1,904.68 million |
| Deposits held in domestic offices | $ 2.37 billion |
| % insured (estimated)" | 76.08% |
| Federal funds purchased and repurchase agreements | N.A. |
| Trading liabilities | N.A. |
| Other borrowed funds | $ 1.99 million |
| Subordinated debt | N.A. |
| All other liabilities | $ 10.58 millionn |
| Total Liabilities | $ 2.53 billion |
| Shareholders’ Equity | $ 315.67 million |
Summary Income Statement as of June 30, 2025
| INCOME AND EXPENSES | |
| Total Interest Income | $ 83.75 million |
| Total Interest Expense | $ 31.82 million |
| Net interest income | $ 51.93 million |
| Provision for loan and lease losses | $ 4.43 million |
| Total non interest income | $ 12.19 million |
| Total non interest expense | $ 38.86 million |
| Pre-tax Net Operating Income | $ 10.29 million |
Customer Reviews for Guaranty Bank and Trust Company
Branches
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Guaranty Bank and Trust Company Locations
Savings Comparison
This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis."
PRODUCT
BANK
BANK TYPE
STATE
AMOUNT
TERM
APY
VS.NATL'L AV.
MIN
MILES
Tax Rate: 30%
All calculations are for demonstration purposes only."
- 1LOCAL SAVINGSBankMISSISSIPPI$50,000N.A.0.04%0.15x (National Avg. - 0.23%)$2,500-SCENARIO
Year Rate
0.04%Annual
InterestAnnual Interest
(After Tax)1 50,000 18 12 2 50,018 18 12 3 50,035 18 12 4 50,053 18 12 5 50,070 18 12 6 50,088 18 12 7 50,105 18 12 8 50,123 18 12 9 50,140 18 12 10 50,158 18 12 11 50,175 18 12 12 50,193 18 12 13 50,210 18 12 14 50,228 18 12 15 50,246 18 12 16 50,263 18 12 17 50,281 18 12 18 50,298 18 12 19 50,316 18 12 20 50,334 18 12 TOTAL $351 $246 - 2ONLINE SAVINGSBank-$50,000N.A.4.00%17.70x (National Avg. - 0.23%)$1,000-SCENARIO
Year Rate
4.00%Annual
InterestAnnual Interest
(After Tax)1 50,000 2,000 1,400 2 52,000 2,080 1,456 3 54,080 2,163 1,514 4 56,243 2,250 1,575 5 58,493 2,340 1,638 6 60,833 2,433 1,703 7 63,266 2,531 1,771 8 65,797 2,632 1,842 9 68,428 2,737 1,916 10 71,166 2,847 1,993 11 74,012 2,960 2,072 12 76,973 3,079 2,155 13 80,052 3,202 2,241 14 83,254 3,330 2,331 15 86,584 3,463 2,424 16 90,047 3,602 2,521 17 93,649 3,746 2,622 18 97,395 3,896 2,727 19 101,291 4,052 2,836 20 105,342 4,214 2,950 TOTAL $59,556 $41,689
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