Guaranty Federal Bancshares, Inc. functions as the parent company for Guaranty Bank, offering diverse banking and mortgage solutions to both individual consumers and businesses throughout southwestern Missouri. The institution's array of deposit offerings encompasses checking, money market, and savings accounts, alongside fixed-term certificates of deposit (CDs) and Individual Retirement Accounts (IRAs). It also provides demand deposit accounts and Negotiable Order of Withdrawal (NOW) accounts. The company extends a comprehensive suite of lending products, including financing for commercial real estate, mortgages for single-family to four-unit residences, multi-family housing, and construction projects. It further supports the agriculture sector, general business enterprises (including Small Business Administration-backed loans), and a variety of consumer needs such as loans secured by certificates of deposit, automobiles, recreational vehicles, boats, and home equity. Beyond its primary lending and deposit activities, the firm allocates capital to investments in mortgage-backed securities, instruments issued by the U.S. Government and federal agencies, and a variety of other tradeable securities. As of January 20, 2022, its operational footprint included sixteen full-service branches distributed across Greene, Christian, Jasper, and Newton counties. It also maintained a loan production office in Webster County and provided access to roughly 37,000 ATMs. Guaranty Federal Bancshares, Inc. was established in 1913 and is headquartered in Springfield, Missouri.


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