Guaranty Bank and Trust Company holds $2.4B in deposits across 23 counties in 4 ranked markets and 2 states. Its deposit footprint is concentrated: the top three counties (Washington County, Humphreys County, Tishomingo County) hold 41% of its deposits, and Mississippi accounts for 91% of the total. It ranks among the three largest institutions in 7 of the 23 counties where it operates.
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Data as of June 30, 2025 (FDIC Summary of Deposits)
| County | Deposits | County’s % of Bank’s Deposits | Bank’s % of County Deposits | Branches | |
|---|---|---|---|---|---|
| 1. | Washington County, MS | $431M | 18.2% | 34.1% | 4 |
| 2. | Humphreys County, MS | $318M | 13.4% | 75.1% | 1 |
| 3. | Tishomingo County, MS | $216M | 9.1% | 48.7% | 4 |
| 4. | Shelby County, TN | $192M | 8.1% | 0.6% | 3 |
| 5. | Desoto County, MS | $182M | 7.7% | 4.0% | 3 |
| 6. | Lafayette County, MS | $165M | 7.0% | 8.0% | 4 |
| 7. | Panola County, MS | $128M | 5.4% | 15.9% | 2 |
| 8. | Grenada County, MS | $110M | 4.7% | 17.5% | 1 |
| 9. | Tate County, MS | $95M | 4.0% | 14.5% | 1 |
| 10. | Bolivar County, MS | $92M | 3.9% | 10.2% | 1 |
| 11. | Itawamba County, MS | $81M | 3.4% | 17.2% | 1 |
| 12. | Leflore County, MS | $53M | 2.2% | 4.5% | 1 |
| 13. | Prentiss County, MS | $42M | 1.8% | 6.9% | 1 |
| 14. | Lee County, MS | $40M | 1.7% | 0.9% | 3 |
| 15. | Warren County, MS | $38M | 1.6% | 3.1% | 2 |
| 16. | Oktibbeha County, MS | $36M | 1.5% | 2.3% | 1 |
| 17. | Sunflower County, MS | $36M | 1.5% | 4.5% | 1 |
| 18. | Madison County, MS | $31M | 1.3% | 0.6% | 1 |
| 19. | Fayette County, TN | $24M | 1.0% | 2.7% | 1 |
| 20. | Calhoun County, MS | $22M | 0.9% | 6.9% | 1 |
| 21. | Pontotoc County, MS | $21M | 0.9% | 3.1% | 1 |
| 22. | Monroe County, MS | $15M | 0.6% | 1.9% | 1 |
| 23. | Alcorn County, MS | $2M | 0.1% | 0.2% | 1 |
Deposits are as reported to the FDIC at branch level, June 30, 2025, and are nominal. “County’s % of Bank’s Deposits” is this county’s share of the institution’s total deposits; “Bank’s % of County Deposits” is this institution’s deposits as a percent of all deposits booked in that county. Counties within a Combined or Metropolitan Statistical Area link to their full profile; other counties are shown for completeness.
All 293 markets and the 1,533 counties within a CSA or MSA are covered in the Market Intelligence resource. See the methodology for how each figure is built and when to expect updates.