Guaranty Bank & Trust

What Guaranty Bank & Trust does

Guaranty Bank & Trust (legal name: Guaranty Bank & Trust Co of Delhi) is a privately-held, FDIC-insured community bank founded in 1966 in Delhi, Louisiana. It operates a 10-branch physical network spread across northeast Louisiana — Delhi (headquarters plus a motor branch), Rayville, Start, Tallulah, Epps, Oak Grove, West Monroe, Monroe, and Sterlington — serving individuals, small and mid-sized businesses, agricultural operations, and government/non-profit entities with full-service deposit, lending, and ancillary financial products. The product set spans personal and business checking (NOW, Freedom, Guaranty 62, Basic Business, Commercial, Commercial Money Market, Commercial NOW), savings, CDs and Option CDs, traditional IRAs, Visa credit cards, debit cards, consumer loans, and commercial loans including farm and commercial real estate lending.

Digital banking is delivered via a 24/7 web platform (Jack Henry Digital/Banno), a native iOS/Android mobile app ('Guaranty Mobile Access') with biometric authentication and mobile deposit, person-to-person payments, online bill pay, ACH origination, remote deposit capture, telephone banking through G.A.I.L., and SHAZAM BRELLA for debit card fraud monitoring. Mobile wallet support covers Apple Pay, Google Pay, Samsung Pay, and Microsoft Wallet. Ancillary customer education includes a 50+ financial calculator suite (English and Spanish) and Banzai financial literacy content. The bank's wholly-owned affiliate Southern Fidelity Agency, Inc. distributes insurance through the Tallulah branch.

Economically, the bank is a traditional spread-based depository institution. Revenue is generated from net interest income on loans (consumer, commercial, agricultural, mortgage) and on the deposit book, supplemented by account-level fees (monthly maintenance, minimum-balance, excess-transaction, mailed-statement, debit card interchange, credit card annual/late/over-limit, and early CD withdrawal penalties), treasury management fees (ACH origination, remote deposit, commercial analysis), and insurance commission income via the affiliate. Pricing follows standard community-banking tiers with monthly billing cycles; minimum opening deposits range from $100 for personal accounts to $2,500 for money market accounts, with fee waivers tied to average balance thresholds. There is no public listing, no parent holding company, and no disclosed headcount or revenue figures.

Name

Guaranty Bank & Trust

Legal name

Guaranty Bank & Trust Co of Delhi

Website

https://gbankla.com

Company type

Private

Founded year

1966

Operating status

Operating

Short description

Guaranty Bank & Trust is a privately-held, FDIC-insured community bank founded in 1966, operating 10 branches across northeast Louisiana. It provides personal and business deposit accounts, consumer and commercial loans, digital and mobile banking, and insurance via a wholly-owned affiliate, serving individuals, businesses, agricultural operators, and government entities.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211), Credit Card Issuing (52221)

SIC

National Commercial Banks (6021)

akta.pro primary industry

SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC)

akta.pro secondary industries

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA), Credit Cards & Revolving Credit (FSABAAAC), Bank & Credit Union Personal Loans (Unsecured Installment) (FSAKAAAL), Agricultural & Rural Development Banks (FSABAKAE)

Keywords

• Community banking services
• Retail deposit accounts
• Commercial lending products
• Digital banking channels
• Small business banking

Headquarters

HQ city

Delhi

HQ country

United States

HQ region

North America

Offices10 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income: Primary revenue stream from interest charged on loans including business loans, consumer loans, mortgages, and credit cards. Interest is earned on the spread between lending rates and deposit rates.
2. Deposit Account Fees: Monthly service charges, maintenance fees, and transaction-based fees on checking, savings, and money market accounts. Includes charges for average balance below minimums, mailed statements, and excess transactions.
3. Certificate of Deposit Fees: Early withdrawal penalties on CDs generate fee income. Various CD terms offered from 7 days to 2 years with competitive FDIC-insured rates.
4. Business Banking Services: Commercial checking accounts with analysis-based fees, ACH origination services, remote deposit capture, and night depository services generate fee income from business customers.
5. Card Services: Debit card and credit card transaction interchange fees. Credit card annual fees, late payment fees, and over-limit fees. Point redemption program for credit card rewards.
6. Credit Card Fees: Fees associated with Guaranty Bank Visa credit cards including potential annual fees, transaction fees, and penalty fees.
7. Debit Card Fees: Transaction interchange income from debit card usage at merchants, plus fees for replacement cards, expedited delivery, etc.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels5 records

Core offering

Guaranty Bank & Trust is a community bank that offers FDIC-insured deposit products (personal and business checking, savings, money market, CDs, IRAs), consumer and commercial loans, Visa credit cards and debit cards, and full-service digital banking (online, mobile app, telephone). It also provides business services including ACH origination, remote deposit capture, and night depository, serving individuals, businesses, agricultural operations, and government/non-profit entities in northeast Louisiana.

Product overview

Guaranty Bank & Trust offers a traditional community banking platform with a comprehensive portfolio of deposit and lending products for personal and business customers. The core offering centers on checking and savings accounts, certificates of deposit, IRAs, credit cards, and loan products (consumer and commercial). Digital banking services are provided through a web-based Online Banking platform, native Mobile Banking App (Guaranty Mobile Access for iOS/Android), and telephone banking via G.A.I.L. Ancillary services include Bill Pay, Remote Deposit Capture (mobile check deposit), ACH Origination for businesses, Mobile Wallets (Android Pay, Apple Pay, Microsoft Wallet, Samsung Pay), and SHAZAM BRELLA fraud protection. The bank also provides financial education tools including 50+ online calculators and Banzai Financial Literacy content. Business services include Night Depository and check ordering. The platform is built on Jack Henry Digital infrastructure.

Differentiator

Problem solved

Functional benefit

Brands

• SHAZAM BRELLA: A fraud protection mobile app that allows users to track debit card transactions, place temporary blocks on transactions, set up email alerts for purchases, and view account balances.
• G.A.I.L.

Products and services

• Personal Checking Accounts Range of personal checking accounts including NOW Account (interest-bearing, $100 minimum opening), Money Market Account ($2,500 minimum), Freedom Checking (non-interest, no monthly charge), and Guaranty 62 (senior citizen account for ages 62+, no service charge). Designed for individual consumers managing everyday banking needs.
• Business Checking Accounts Full range of business checking accounts including Basic Business Checking ($5 monthly service charge), Commercial Checking (account analysis-based), Commercial Money Market ($2,500 minimum), Commercial NOW Account, and Interest Bearing Commercial Checking. Designed for sole proprietors, partnerships, LLCs, corporations, and non-profits.
• Savings Accounts Personal savings products including Regular Savings ($100 minimum opening), Christmas Club ($5 minimum), and Health Savings Account (HSA) for high-deductible health plan holders. Designed for individual savers.
• Certificates of Deposit (CDs) FDIC-insured CDs with terms from 7 days to 2 years, $1,000 minimum opening. Also offers Option CDs ($2,000 minimum) with features like penalty-free withdrawals and rate bumps. Available for personal and business customers.
• Individual Retirement Accounts (IRAs) Traditional IRA accounts for retirement savings with tax-deferred growth. Available for individual consumers planning for retirement.
• Business Loans Commercial lending services for sole proprietors, partnerships, LLCs, corporations, non-profits, farming operations, retail businesses, and commercial real estate. Local lenders structure loans to meet present and future business needs.
• Consumer Loans Personal lending products for vehicles, household items, medical expenses, and other consumer needs. Local lenders understand community needs and offer personalized service.
• Visa Credit Cards Visa credit card with rewards points redeemable for merchandise, cash, or travel. In-branch applications with 24-hour decision. Includes 24-hour support and fraud protection. Serviced via PSCU.
• Debit Cards Debit card for personal checking customers with worldwide acceptance. Includes transaction alerts, spending tracking via internet banking, and 24/7 fraud monitoring. Backed by SHAZAM network.
• Online Banking 24/7 web-based banking platform with account management, fund transfers (one-time and recurring), bill pay, person-to-person payments, alerts, statement downloads, check imaging, stop payments, and remote mobile deposit access.
• Mobile Banking App (Guaranty Mobile Access) Native mobile banking application for iOS and Android with account viewing, fund transfers, bill pay, mobile check deposit, alerts, and Face ID/Touch ID authentication. Available 24/7 worldwide via App Store and Google Play.
• Telephone Banking (G.A.I.L.) Guaranty's Account Information Line (G.A.I.L.) provides 24/7 automated telephone banking at (318) 878-3282. Services include account access, balance inquiries, fund transfers, stop payments, and rate information.
• ACH Origination Business-only electronic payment service for processing payroll direct deposits and other financial transactions. Available for commercial customers via online banking.
• Remote Deposit Capture Service allowing business customers to make unlimited check deposits from their office using a capture device, eliminating trips to the branch. Monthly fee based on business assessment and deposit volume.
• Night Depository After-hours business deposit service with locking night deposit bag and two bag keys. Additional bags available for nominal fee. Authorized employee pickup agreement required.
• Banzai Financial Literacy Free financial education platform through partnership with Banzai. Includes interactive coaches (5-10 minute activities), courses (real-life scenarios for all ages), articles, and themed collections covering budgeting, saving, credit, and more.

Quantifiable outcome

• Serving communities for over 50 years since 1966
• +1 more outcomes

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration9 records

Feature8 records

Partnerships

Six partnerships are on record, tiered core and supporting.

• Southern Fidelity Agency, Inc.coreOthersAffiliate insurance company offering insurance services through the Tallulah office. Trained agents provide customer insurance needs. This affiliate relationship extends the bank's financial services offerings into insurance products.
• Banzai Financial LiteracysupportingStrategic or Co-development PartnerPartnership providing free financial education resources to bank customers and the public. Includes interactive courses, coaches, articles, and collections covering various financial topics for kids, teens, and adults.
• SHAZAM (SHAZAM BRELLA)coreTechnology or IntegrationSHAZAM network provides the BRELLA fraud protection app for debit card security. BRELLA allows customers to monitor transactions, set alerts, temporarily block cards, and view account balances. Critical fraud prevention tool.
• Jack Henry Digital (Banno)supportingTechnology or IntegrationWebsite platform provider powering the bank's digital banking presence. Jack Henry/Banno provides the underlying technology infrastructure for the gbankla.com website.
• PSCU (Credit Card Services)supportingTechnology or IntegrationCredit card processing and servicing partner for Visa credit cards. Provides online account management, card issuance, and transaction processing services.
• Harland Clarke (Check Printing)supportingChannel Partner/ Reseller/ DistributorCheck printing partner providing security checks, check reordering services, and identity protection materials. Referenced for check orders via ordermychecks.com.

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Caldwell Bank & Trust: Small Louisiana community bank with a similar rural footprint offering deposit and lending products. Comparable scale, business mix, and geographic concentration in northeast Louisiana.
• Concordia Bank & Trust: Louisiana state-chartered community bank offering personal and business banking, closely comparable in operating model and market to Guaranty Bank & Trust.
• Progressive Bank: Louisiana-based community bank with similar full-service consumer and commercial product set, serving comparable small-town markets.
• Sabine State Bank: Community bank operating across the Louisiana/Texas border region with comparable small-town branch strategy and agricultural lending exposure.
• Citizens National Bank (Louisiana): Louisiana community bank with overlapping personal and small business banking products, comparable in scope and target customer.
• Tensas State Bank: Very small rural Louisiana community bank serving a similarly agricultural parish-level market with personal and commercial banking products.
• Community Bank of Louisiana: Louisiana-headquartered community bank with comparable consumer and small business banking focus across multiple parishes.

Broad incumbents

• Hancock Whitney Corporation: Major Gulf Coast regional bank with deep Louisiana branch presence; operates as a broader incumbent in the same consumer and commercial banking space and a likely acquirer of community franchises.
• First Horizon Corporation: Large Southeast regional bank (formed via the IberiaBank merger) with significant Louisiana presence; competes across consumer, business, and mortgage lending and represents scale-driven competitive pressure.
• Cadence Bank: Southeast-focused regional bank offering commercial, consumer, and wealth services across Louisiana-adjacent markets; a broader incumbent with overlapping product capabilities and consolidation appetite.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/gbankla

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries1 record

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about Guaranty Bank & Trust