Guaranty Bank and Trust Company

Belzoni, MS7(a) lenderTop sector: Full-Service Restaurants

Is this my lender?

Loans approved

151

FY1992–FY2025

Dollars approved

$57.3M

$13.1M since FY2021

Average loan

$380K

$876K recently

Charge-off rate

3.9%

by dollars · 10.6% by count

Approvals over time

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What they lend against

Full-Service Restaurants8 Full-Service Restaurants7 Limited-Service Restaurants6 Other Support Activities for Air Transportation3 Fitness and Recreational Sports Centers3 Offices of Optometrists3

Loan count by NAICS industry, whole record. Each row opens that industry’s profile, where this lender is ranked against everyone else writing it.

Where they lend

Mississippi99 · 66%Tennessee49 · 32%Alabama2 · 1%Nevada1 · 1%

Share is of this lender’s entire book, so the 4 states shown need not sum to 100%. Together they account for 100% of its lending.

At a glance

Rank by recent volume#791 of 2321

First approvalFY1992

Latest approvalFY2025

States lent into4

What they charge

Too few recent 7(a) loans to quote a rate, 4 since FY2024. Rates cluster on round numbers, so a median off a handful of loans reads as precise and is not.

Program mix

7(a) · 100% (151)504 · 0% (0)

Split by loan count.

7(a) $57.3M504 $0

Loss rate in context

This lender3.9%

Both programs, all lenders4.6%

Charged-off dollars over dollars approved. By loan count this lender is at 10.6%; the two measures diverge when a book is weighted toward small loans.

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