SBA lender profile
Guaranty Bank and Trust Company
Guaranty Bank and Trust Company appears in the public SBA loan data with 20 funded 7(a) loans totaling $14.9M, an average of $745K per loan, and an estimated 274 jobs supported. Its SBA lending concentrates in Tennessee and the Construction sector. Across all of its loans in the data, its charge-off rate is 0.0%.
By Mario Bailey · Source: SBA FOIA 7(a) and 504 data, as of 2026-03-31
Funded loans
20
Total volume
$14.9M
Average loan size
$745K
Charge-off rate
0.0%
Share of funded loans charged off
Jobs supported (reported)
274
Programs
7(a)
Bank profile
via FDIC- Total assets
- $257M
- Headquarters
- Cedar Rapids, IA
- FDIC cert
- #14704
- Status
- Inactive
Where Guaranty Bank and Trust Company lends
Top states by funded SBA volume.
| State | Loans | Total volume |
|---|---|---|
| Tennessee | 13 | $7.4M |
| Mississippi | 6 | $4.1M |
| Alabama | 1 | $3.4M |
What Guaranty Bank and Trust Company funds
Top industries by funded SBA volume.
| Industry | Loans | Total volume |
|---|---|---|
| Construction | 1 | $3.4M |
| Wholesale Trade | 2 | $2.7M |
| Other Services | 3 | $2.4M |
| Retail Trade | 3 | $1.8M |
| Arts, Entertainment, Recreation | 3 | $1.5M |
| Health Care and Social Assistance | 2 | $785K |
Guaranty Bank and Trust Company SBA lending by year
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2020 | 4 | $1.4M |
| 2021 | 8 | $7.3M |
| 2022 | 3 | $355K |
| 2024 | 2 | $1.4M |
| 2025 | 3 | $4.4M |
Sources and disclaimer. All figures are computed from
the U.S. Small Business Administration's public FOIA 7(a) and 504 loan data (as of 2026-03-31),
as described in our methodology.
The charge-off rate is the share of Guaranty Bank and Trust Company's funded loans marked charged off across all of its
loans in the data; it is not a lifetime default rate. SBA Loan Index is not affiliated with the
SBA and is not a lender, broker, or financial advisor. This is general information, not advice.
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