KS lenders / Community Bank
Guaranty State Bank and Trust Company
Community Bank · Beloit, KS · Guaranty Inc
- Total assets
- $386.5M
- CRE loan book
- $17.1M
- QoQ CRE growth
- 7.1%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 5.76% as of Q1 2026 — TX bank median 4.87% (0.90pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 5.76% | 6.30% |
| Q4 2025 | 5.80% | 6.49% |
| Q3 2025 | 5.66% | 6.45% |
| Q2 2025 | 5.76% | 6.75% |
| Q1 2025 | 5.26% | 6.20% |
| Q4 2024 | 5.49% | 6.53% |
| Q3 2024 | 5.10% | 6.19% |
| Q2 2024 | 5.41% | 6.27% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
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CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $17.1M | $0 | $0 | 36% | $0 |
| Q4 2025 | $16.0M | $0 | $0 | 33% | $0 |
| Q3 2025 | $16.8M | $155,000 | $0 | 36% | $0 |
| Q2 2025 | $17.1M | $154,000 | $0 | 36% | $0 |
| Q1 2025 | $17.3M | $132,000 | $0 | 38% | $0 |
| Q4 2024 | $17.6M | $121,000 | $0 | 38% | $0 |
| Q3 2024 | $18.0M | $0 | $0 | 39% | $0 |
| Q2 2024 | $17.1M | $1.7M | $0 | 37% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Elysian BankCommunity Bank · Elysian · $17.1M CRE book
- Wells River Savings BankCommunity Bank · Wells River · $17.1M CRE book
- Bank of MonticelloCommunity Bank · Monticello · $17.1M CRE book
- State Savings BankCommunity Bank · Bedford · $17.0M CRE book
- Commercial State BankCommunity Bank · Palmer · $17.3M CRE book
See all alternatives to Guaranty State Bank and Trust Company →
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.