Guaranty Federal Bancshares, Inc. is the savings and loan holding company for Guaranty Bank (the Bank). The Bank's principal business is attracting retail deposits from the public and investing the 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 loans, consumer loans and other loans. The Bank offers various checking accounts, money markets, savings, fixed-term certificates of deposit and individual retirement accounts. The Company also owns Guaranty Statutory Trust I and Guaranty Statutory Trust II, both Delaware statutory trusts. The Bank's primary market areas are Greene and Christian Counties, which are in the southwestern corner of Missouri and includes the cities of Springfield, Nixa and Ozark, Missouri.