Guaranty Federal Bancshares

What Guaranty Federal Bancshares does

Guaranty Federal Bancshares operated as a publicly-traded bank holding company (NASDAQ:GFED) headquartered in Springfield, Missouri, with banking roots dating to 1913. Following its acquisition by QCR Holdings, Inc. (NASDAQ:QCRH) completed on April 1, 2022, the bank operates as a private subsidiary under the Guaranty Bank name and is part of a multi-bank family of 40 locations across Illinois, Iowa, Wisconsin, and Missouri; the combined entity held approximately $7.3 billion in assets, $5.4 billion in loans, and $5.9 billion in deposits as of December 31, 2021. Guaranty Bank runs 13 branches serving Springfield, Joplin, Carthage, Ozark, Nixa, and Neosho, with the company organized into three primary product lines: Personal Banking (checking, savings, CDs, HSAs, youth accounts, mortgages, consumer lending), Business Banking (commercial lending, SBA loans, treasury management, merchant services, Visa business credit cards), and Wealth Management/Private Banking (launched June 2023 for HNW clients).

The technology stack is standard community-banking: iOS/Android mobile apps with mobile deposit, business online banking with Secure Access Codes, Positive Pay check/ACH fraud prevention, Zelle P2P payments, ClickSWITCH account migration, MoneyPass surcharge-free ATM network access (37,000+ machines), and QuickBooks/Quicken bill pay integration. Revenue is generated primarily through net interest income from commercial real estate, commercial construction, business term, SBA, residential mortgage, home equity, and consumer loans — supplemented by deposit-related interest income, treasury management and merchant card processing fees, Visa interchange, and wealth management/trust advisory fees. Distribution is omnichannel through branches, digital platforms, video banking, and a dedicated treasury management field sales team targeting business banking clients.

GTM motion is community-led: relationship-driven, locally-approved underwriting focused on Southwest Missouri small/mid-size businesses, agricultural operations, and consumer households — with pricing structured around variable APRs/APYs, monthly maintenance fees waivable on minimum balances, and promotional incentives such as Refer-A-Friend ($50 per qualifying referral) and a Summer Checking bonus ($300 or premium gear). Differentiation rests on local decision-making, in-house loan approvals with quick closings, generational customer relationships, and a CRA-aligned regulatory posture.

Name

Guaranty Federal Bancshares

Legal name

Guaranty Bank

Website

https://gbankmo.com

Company type

Private

Founded year

1913

Operating status

Operating

Headcount range

251–500 employees

Short description

Guaranty Federal Bancshares is a community bank holding company (now a subsidiary of QCR Holdings) operating 13 branches across Southwest Missouri, providing personal banking, commercial lending, treasury management, and wealth management services to consumers, small/mid-size businesses, and HNW clients.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211), Depository Credit Intermediation (5221), Commercial Banking (522110)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

akta.pro secondary industries

Retail Lending (Personal Loans, Auto, Credit Lines) (FSABAAAB), SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC), Credit Cards & Revolving Credit (FSABAAAC), Retail Wealth & Bancassurance Distribution (Investment & Insurance via Bank) (FSABAAAJ)

Keywords

• Community banking
• Commercial lending
• Treasury management
• Wealth management
• Retail deposits

Headquarters

HQ city

Springfield

HQ country

United States

HQ region

North America

Offices6 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Marketing or Sales, Technology or R&D

Revenue model

1. Interest Income from Lending: Core revenue from interest earned on loans including commercial real estate, commercial construction, business term loans, SBA loans, residential mortgages, home equity lines, auto loans, and personal loans.
2. Deposit Interest Income: Interest income from various deposit accounts including checking, savings, money market accounts, and certificates of deposit.
3. Fee-Based Services: Non-interest income from treasury management fees, merchant card processing, wire transfer fees, account analysis fees, and other service charges.
4. Credit Card Revenue: Revenue from Visa business and commercial credit cards including interchange fees and interest charges.
5. Wealth Management Fees: Fees from wealth management services including investment advice, estate planning, and trust services.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels5 records

Core offering

Guaranty Federal Bancshares operates as Guaranty Bank, a community bank offering personal banking (checking, savings, CDs, money market, mortgages, consumer loans), business banking (commercial checking, savings, SBA loans, commercial real estate loans, lines of credit), treasury management services (ACH, Positive Pay, merchant card processing, fraud prevention), and wealth management/private banking. Services are delivered through 13 branch locations across Southwest Missouri complemented by online and mobile banking channels.

Product overview

Guaranty Bank operates as a community bank offering a unified suite of financial services organized around three core pillars: Personal Banking (checking, savings, CDs, HSAs, mobile banking) and Business Banking (commercial lending, treasury management, business credit cards). The bank provides digital banking capabilities through its mobile app and online platforms, supplemented by wealth management and private banking services launched in 2023. Treasury Management serves as a key module for business clients providing cash management, fraud prevention, and payment processing. All services are delivered through 13 branch locations in southwest Missouri with mobile and online access.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Banking
• Business Banking
• Treasury Management
• Commercial Lending
• Wealth Management
• Private Banking
• Mobile Banking App
• Business Online Banking
• Visa Business Credit Cards
• Home Loans

Quantifiable outcome

• Access to 37,000+ MoneyPass ATMs nationwide with no foreign transaction fee
• +1 more outcomes

Named customers2 records

Segments3 records

Ideal customer profiles3 records

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature4 records

Partnerships

Four partnerships are on record, tiered core.

• MoneyPasscoreTechnology or IntegrationGuaranty Bank is a member of the MoneyPass ATM network providing customers with surcharge-free access to more than 37,000 ATMs nationwide.
• VisacoreTechnology or IntegrationPartnership for Visa Business and Commercial Credit Cards offering contactless payments, travel benefits, rewards, and comprehensive card management tools.
• Positive Pay ServicescoreTechnology or IntegrationFraud prevention services including Check Positive Pay, Payee Check Positive Pay, ACH Positive Pay and ACH Debit Blocker to protect business accounts.
• United WaycoreOthersStrong partnership with United Way with the company and associates financially supporting local United Way offices in every community served.

Scale indicators4 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Great Southern Bancorp: Springfield, Missouri-headquartered bank holding company operating a multi-state community banking franchise of comparable scale, sharing the same local market as Guaranty Bank and competing directly for retail and commercial deposits and loans.
• Equity Bancshares: Community bank holding company serving Kansas, Missouri, Oklahoma, Texas, Arkansas, and Nebraska with a similar mix of commercial banking, retail lending, and treasury management, making it one of the closest direct comparisons in size and Midwestern footprint.
• Enterprise Financial Services Corp: St. Louis-based bank holding company of similar asset size ($10B+) with comparable commercial banking, treasury management, and wealth management offerings targeting businesses and consumers in the broader Midwest/Missouri region.

Others

• QCR Holdings: Guaranty Bank's parent company (NASDAQ: QCRH), a multi-bank holding company operating Quad City Bank & Trust, Cedar Rapids Bank & Trust, Community State Bank, and Community Bank & Trust, providing a direct comparison on parent-level strategy and combined entity capital structure.

Broad incumbents

• Commerce Bancshares: Kansas City-based regional bank holding company (NASDAQ: CBSH) with a much larger asset base but overlapping personal, commercial, and wealth management offerings across Missouri and the broader Midwest.
• UMB Financial Corporation: Kansas City-based diversified financial services holding company (NASDAQ: UMBF) with overlapping commercial banking, treasury management, and wealth management capabilities serving Midwestern businesses and consumers.
• Simmons First National Bank: Arkansas-headquartered regional bank (NASDAQ: SFNC) with a community-banking-led model, comparable loan and deposit mix, and significant Midwestern footprint overlap following recent acquisitions.
• BOK Financial Corporation: Tulsa-based diversified financial services holding company (NASDAQ: BOKF) providing commercial banking, treasury management, and wealth services across multiple Midwestern and Southwestern states at meaningfully larger scale.

Regional players

• S&T Bancorp: Pennsylvania-based community bank holding company (NASDAQ: STBA) of similar asset size targeting similar commercial and retail banking segments in its region - comparable in size and product breadth but operating outside Guaranty's geography.
• BancFirst Corporation: Oklahoma-based community-oriented bank holding company (NASDAQ: BANF) with comparable product mix (deposits, commercial lending, treasury, wealth) and similar asset scale, serving a different regional market.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/GBankMo
• Facebookfacebook.com/GuarantyBank
• LinkedInlinkedin.com/company/gbankmo1913

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles12 records

Funding overview

Funding rounds1 record

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Guaranty Federal Bancshares