Guaranty Federal Bancshares, Inc. is a unitary savings and loan holding company for Guaranty Federal Savings Bank, a federal savings bank (the Bank). The Bank's principal business is attracting retail deposits from the general public and investing those deposits together with funds generated from operations in commercial real estate loans, multi-family residential mortgage loans, construction loans, permanent one- to four-family residential mortgage loans, business, consumer and other loans. It also invests in mortgage-backed securities, United States Government and federal agency securities and other marketable securities. The Bank offers fixed- and adjustable-rate first mortgage loans secured by one- to four-family residences in the Bank's primary lending area. The Bank's primary market areas are Greene, Christian, Jasper, and Newton Counties, which are in the southwestern corner of Missouri and include the cities of Springfield, Nixa, Ozark, Joplin, Carthage and Neosho, Missouri.
GUARANTY FEDERAL BANCSHARES, INC. 
