Guaranty Bank & Trust N.a. Mortgage Rates, Fees & Info

Mount Pleasant, TX

LEI: 549300A2N0IEBKSB5I23

Tax ID: 75-0308240

4.5 stars - out of 5 stars, based on 33 reviews

2021 Data | 2020 Data | 2019 Data | 2018 Data


Overview

Guaranty Bank & Trust N.a. is a smaller bank specializing in Home Purchase loans. Guaranty Bank & Trust N.a. has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets include Dallas, Austin, Houston, College Station, and Mount Pleasant among others. Guaranty Bank & Trust N.a. has an above average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. Guaranty Bank & Trust N.a. is typically an average fee lendor.


Originations

1,061

Origination Dollar Volume (All Markets)

$312,115,000

Employee count

472 Show all (5) awards

Relative Rate

Guaranty Bank & Trust N.a.'s average 30 year fixed rate mortgage of loans were 3.17%.

The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.

This yields a difference of 0.02%.

Relative Fees

Guaranty Bank & Trust N.a.'s average total fees for a 30 year fixed rate mortgage are $5,205.

The average total origination fees for 30 year fixed rate mortgages (for all loan values, including both points & up-front fees in addition to origination fees) are $4,750.

Top Markets

Market Originations Total Value Average Loan Average Fees Average Rate
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 150 $62,940,000 $419,600 $5,359 3.69%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 35 $45,855,000 $1,310,143 $10,180 3.99%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 88 $35,400,000 $402,273 $5,955 3.57%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 119 $33,755,000 $283,655 $4,770 3.44%
Mount Pleasant, TX (FHA|USDA|VA) 155 $24,015,000 $154,935 $3,544 4.03%
Outside of Metro Areas 117 $21,835,000 $186,624 $4,186 3.86%
Paris, TX (FHA|USDA|VA) 102 $19,620,000 $192,353 $4,376 3.46%
TEXARKANA, TX-AR (FHA|USDA|VA) 109 $18,985,000 $174,174 $3,819 3.80%
LONGVIEW, TX (FHA|USDA|VA) 62 $12,800,000 $206,452 $4,895 3.51%
Sulphur Springs, TX (FHA|USDA|VA) 59 $8,695,000 $147,373 $3,581 3.94%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 9 $5,065,000 $562,778 $6,141 3.61%
Bozeman, MT (FHA|USDA|VA) 1 $3,005,000 $3,005,000 $0 3.25%
TYLER, TX (FHA|USDA|VA) 6 $2,270,000 $378,333 $4,872 3.67%
BOULDER, CO (FHA|USDA|VA) 1 $1,855,000 $1,855,000 $3,706 3.50%
Durango, CO (FHA|USDA|VA) 1 $1,725,000 $1,725,000 $6,449 4.25%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 2 $1,700,000 $850,000 $4,153 3.56%
Brenham, TX (FHA|USDA|VA) 2 $1,490,000 $745,000 $11,165 3.75%
WACO, TX (FHA|USDA|VA) 3 $1,325,000 $441,667 $0 3.98%
CORPUS CHRISTI, TX (FHA|USDA|VA) 3 $1,175,000 $391,667 $0 4.04%
Huntsville, TX (FHA|USDA|VA) 4 $880,000 $220,000 $2,162 4.50%
Gainesville, TX (FHA|USDA|VA) 3 $835,000 $278,333 $3,404 3.60%
SHERMAN-DENISON, TX (FHA|USDA|VA) 4 $780,000 $195,000 $5,551 3.69%
OKLAHOMA CITY, OK (FHA|USDA|VA) 4 $670,000 $167,500 $1,800 4.47%
Sevierville, TN (FHA|USDA|VA) 1 $645,000 $645,000 $0 4.25%
HOT SPRINGS, AR (FHA|USDA|VA) 3 $635,000 $211,667 $2,749 4.04%
Bonham, TX (FHA|USDA|VA) 3 $515,000 $171,667 $4,699 3.87%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 1 $475,000 $475,000 $6,541 2.75%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 1 $415,000 $415,000 $4,204 3.88%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 1 $365,000 $365,000 $0 4.25%
AMARILLO, TX (FHA|USDA|VA) 1 $345,000 $345,000 $4,698 3.13%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 1 $255,000 $255,000 $0 3.87%
Athens, TX (FHA|USDA|VA) 1 $245,000 $245,000 $0 4.75%
Mineral Wells, TX (FHA|USDA|VA) 1 $235,000 $235,000 $0 4.24%
WICHITA FALLS, TX (FHA|USDA|VA) 1 $225,000 $225,000 $3,031 4.12%
ODESSA, TX (FHA|USDA|VA) 1 $215,000 $215,000 $7,730 2.88%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 1 $195,000 $195,000 $4,201 3.13%
BATON ROUGE, LA (FHA|USDA|VA) 1 $195,000 $195,000 $0 4.24%
VICTORIA, TX (FHA|USDA|VA) 1 $175,000 $175,000 $3,988 4.00%
MIDLAND, TX (FHA|USDA|VA) 1 $165,000 $165,000 $3,224 2.13%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 1 $75,000 $75,000 $0 4.25%
WICHITA, KS (FHA|USDA|VA) 1 $65,000 $65,000 $445 4.50%

Guaranty Bank & Trust N.a.'s top markets include Dallas, Austin, Houston, College Station, and Mount Pleasant among others.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 995 $298,215,000 $299,714 $4,226 3.80%
FHA 36 $6,970,000 $193,611 $7,518 2.76%
VA 15 $4,525,000 $301,667 $9,242 2.71%
USDA 15 $2,405,000 $160,333 $5,699 2.73%

For the 2021 period, Guaranty Bank & Trust N.a.'s most frequently originated loan type of loans were Conventional, with 995 originations. Their 2nd most popular type is FHA, with 36 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Home Purchase 676 $208,970,000 $309,127 $5,027 3.74%
Cash Out Refi 160 $43,720,000 $273,250 $4,295 3.80%
Refi 144 $50,370,000 $349,792 $4,481 3.22%
Home Improvement 64 $5,890,000 $92,031 $2,069 4.42%
Other 17 $3,165,000 $186,176 $3,207 4.44%

For the 2021, Guaranty Bank & Trust N.a.'s most frequently cited loan purpose of loans were Home Purchase, with 676 originations. The 2nd most popular reason of loans were Cash Out Refi, with 160 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 428 $115,130,000 $268,995 $5,205 3.17%
15 Year 226 $48,370,000 $214,027 $3,896 3.80%
Other 179 $57,385,000 $320,587 $3,823 4.31%
20 Year 130 $37,360,000 $287,385 $3,640 4.12%
10 Year 62 $27,860,000 $449,355 $2,170 4.55%
1 Year 16 $6,930,000 $433,125 $9,698 4.38%
5 Year 16 $18,040,000 $1,127,500 $1,649 4.36%
3 Year 4 $1,040,000 $260,000 $3,915 4.06%

For the 2021, Guaranty Bank & Trust N.a.'s most frequently cited loan length of loans were 30 Year, with 428 originations. The 2nd most popular length of loans were 15 Year, with 226 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$1k-2k 382 $101,080,000 $264,607
$<1k 205 $43,325,000 $211,341
$2k-3k 41 $10,635,000 $259,390
$3k-4k 18 $6,920,000 $384,444
$5k+ 14 $14,490,000 $1,035,000

$5,205 of loans were Guaranty Bank & Trust N.a.'s average total fees, while their most frequently occuring range of origination fees were in the $1k-2k bucket, with 382 originations.

Interest Rates

Loan Rate Originations Total Value Average Loan
4-5% 380 $114,100,000 $300,263
3-4% 366 $127,230,000 $347,623
2.5-3% 215 $53,315,000 $247,977
<2.5% 58 $13,660,000 $235,517
5-6% 31 $2,965,000 $95,645
6-7% 10 $830,000 $83,000
7-8% 1 $15,000 $15,000

During 2021, Guaranty Bank & Trust N.a.'s average interest rate of loans were 3.17%, while their most frequently originated rate bucket of loans were 4-5%, with 380 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$100k-200k 361 $54,215,000 $150,180 $3,934 3.56%
$200k-400k 302 $83,030,000 $274,934 $4,945 3.50%
$100,000 or less 222 $14,040,000 $63,243 $2,226 4.37%
$400k-600k 97 $46,725,000 $481,701 $5,766 3.47%
$600k-1MM 45 $35,675,000 $792,778 $9,977 3.97%
$1MM+ 34 $78,430,000 $2,306,765 $15,103 3.94%

2021 saw Guaranty Bank & Trust N.a. place emphasis on $100k-200k loans with 361 originations, totaling $54,215,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$100k-150k 188 $38,920,000 $207,021 $4,419 3.64%
$50k-75k 160 $24,310,000 $151,938 $4,230 3.46%
$75k-100k 141 $26,395,000 $187,199 $4,296 3.54%
$150k-250k 139 $40,805,000 $293,561 $4,418 3.51%
$250k+ 118 $68,810,000 $583,136 $7,131 3.72%
$50k or less 93 $10,155,000 $109,194 $3,555 3.90%

Guaranty Bank & Trust N.a. lent most frequently to those with incomes in the $100k-150k range, with 188 originations. The second most popular income band? $50k-75k, with 160 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
20-30% 189 $42,015,000 $222,302 $4,092 3.52%
30-36% 157 $35,245,000 $224,490 $4,609 3.60%
<20% 97 $40,635,000 $418,918 $5,107 3.82%
44% 43 $8,445,000 $196,395 $4,828 3.67%
43% 41 $8,665,000 $211,341 $4,205 3.42%
42% 32 $6,750,000 $210,938 $3,974 3.57%
41% 30 $6,780,000 $226,000 $4,734 3.57%
39% 30 $8,070,000 $269,000 $4,586 3.52%
37% 28 $6,740,000 $240,714 $4,775 3.40%
40% 28 $5,890,000 $210,357 $4,311 3.48%
38% 27 $6,455,000 $239,074 $5,282 3.70%
36% 26 $5,120,000 $196,923 $4,704 3.68%
50-60% 25 $7,385,000 $295,400 $5,279 3.64%
47% 23 $5,155,000 $224,130 $4,237 3.40%
46% 23 $6,415,000 $278,913 $4,627 3.58%
>60% 21 $4,635,000 $220,714 $3,523 4.37%
45% 21 $4,825,000 $229,762 $5,812 3.62%
49% 12 $2,160,000 $180,000 $4,676 3.45%
48% 12 $2,420,000 $201,667 $5,117 3.34%

Guaranty Bank & Trust N.a. lent most frequently to those with DTI ratios of 20-30%, with 189 originations. The next most common DTI ratio? 30-36%, with 157 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 778 $181,700,000 $233,548 $4,455 3.61%
Not applicable 194 $97,190,000 $500,979 $0 4.31%
Not provided 38 $19,980,000 $525,789 $5,806 3.37%
Asian 25 $8,465,000 $338,600 $3,913 3.63%
Black 14 $2,560,000 $182,857 $7,363 3.63%
American Indian 9 $1,455,000 $161,667 $3,637 3.62%
Chinese 1 $445,000 $445,000 $0 3.99%
Other Pacific Islander 1 $245,000 $245,000 $8,208 2.88%
Native Hawaiian 1 $75,000 $75,000 $4,947 3.25%

Approval Rates

Total approvals of all applications
91.25%

Guaranty Bank & Trust N.a. has an average approval rate.

Pick Rate

Approvals leading to origination
85.14%

Guaranty Bank & Trust N.a. has an average pick rate.

Points and Fees

Points Originations Total Value Average Loan
0.0 2 $620,000 $310,000
330.0 21 $7,095,000 $337,857
345.0 1 $185,000 $185,000
375.0 9 $1,465,000 $162,778
NA 1,028 $302,750,000 $294,504

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
1,061 $312,115,000 $294,171

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 76 $19,090,000 $251,184 $3,112 3.81%
40-60% 176 $60,040,000 $341,136 $4,313 3.93%
60-80% 490 $154,750,000 $315,816 $4,714 3.78%
80-100% 284 $75,590,000 $266,162 $5,112 3.43%
Over 100% 2 $480,000 $240,000 $11,357 2.50%
Under 20% 33 $2,165,000 $65,606 $1,297 4.49%

Complaints

Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
GUARANTEED RATE INC. VA mortgage Closing on a mortgage 1 0.6%
GUARANTEED RATE INC. VA mortgage Trouble during payment process 14 8.7%
GUARANTEED RATE INC. VA mortgage Struggling to pay mortgage 1 0.6%
GUARANTEED RATE INC. Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 34 21.1%
GUARANTEED RATE INC. Conventional home mortgage Closing on a mortgage 12 7.5%
GUARANTEED RATE INC. Conventional home mortgage Improper use of your report 1 0.6%
GUARANTEED RATE INC. Conventional home mortgage Incorrect information on your report 1 0.6%
GUARANTEED RATE INC. Conventional home mortgage Struggling to pay mortgage 3 1.9%
GUARANTEED RATE INC. Conventional home mortgage Trouble during payment process 60 37.3%
GUARANTEED RATE INC. FHA mortgage Applying for a mortgage or refinancing an existing mortgage 7 4.3%
GUARANTEED RATE INC. FHA mortgage Closing on a mortgage 4 2.5%
GUARANTEED RATE INC. FHA mortgage Incorrect information on your report 1 0.6%
GUARANTEED RATE INC. FHA mortgage Trouble during payment process 12 7.5%
GUARANTEED RATE INC. Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 4 2.5%
GUARANTEED RATE INC. Other type of mortgage Closing on a mortgage 1 0.6%
GUARANTEED RATE INC. Other type of mortgage Trouble during payment process 2 1.2%
GUARANTEED RATE INC. VA mortgage Applying for a mortgage or refinancing an existing mortgage 3 1.9%

Bank Details

Branches

Bank Name Branch Branch Type Deposits (000's)
Guaranty Bank & Trust, N.A. 5800 W. Seventh Street Texarkana, TX 75501 Full Service B&M $30,095
Guaranty Bank & Trust, N.A. 2202 Saint Michael Drive Texarkana, TX 75503 Full Service B&M $193,168
Guaranty Bank & Trust, N.A. 2255 Ridge Road Suite 150 Rockwall, TX 75087 Full Service B&M $49,737
Guaranty Bank & Trust, N.A. 2317 South Jefferson Boulevard Mount Pleasant, TX 75455 Limited, Drive-thru $9,773
Guaranty Bank & Trust, N.A. 244 S Loop 336 W Conroe, TX 77304 Full Service B&M $64,605
Guaranty Bank & Trust, N.A. 2700 Earl Rudder Fwy Suite 1000 College Station, TX 77845 Full Service B&M $35,597
Guaranty Bank & Trust, N.A. 2800 South Texas Avenue, Suite 140 Bryan, TX 77802 Full Service B&M $100,721
Guaranty Bank & Trust, N.A. 305 South Highway 37 Mount Vernon, TX 75457 Full Service B&M $53,114
Guaranty Bank & Trust, N.A. 3101 Wind River Lane Denton, TX 76210 Full Service B&M $63,688
Guaranty Bank & Trust, N.A. 3250 Lamar Avenue Paris, TX 75460 Full Service B&M $270,020
Guaranty Bank & Trust, N.A. 4108 N Kings Hwy Texarkana, TX 75503 Full Service B&M $40,401
Guaranty Bank & Trust, N.A. 500 W 7th St Ste 150 Fort Worth, TX 76102 Full Service B&M $12,830
Guaranty Bank & Trust, N.A. 500 West Main Street Hallsville, TX 75650 Full Service B&M $42,159
Guaranty Bank & Trust, N.A. 100 West Arkansas Street Mount Pleasant, TX 75455 Full Service B&M $431,796
Guaranty Bank & Trust, N.A. 100 West Arkansas Street, Counties Of Morris Franklin And Upshur Mount Pleasant, TX 75455 Limited, Mobile/Seasonal Office $0
Guaranty Bank & Trust, N.A. 110 Halesboro Street Bogata, TX 75417 Full Service B&M $55,660
Guaranty Bank & Trust, N.A. 1108 Park Commerce, TX 75428 Full Service B&M $59,412
Guaranty Bank & Trust, N.A. 116 Greer Blvd Pittsburg, TX 75686 Full Service B&M $82,632
Guaranty Bank & Trust, N.A. 1200 W University Dr, Ste 100 Denton, TX 76201 Full Service B&M $78,376
Guaranty Bank & Trust, N.A. 121 W. Interstate Highway 30 Royse City, TX 75189 Full Service B&M $90,633
Guaranty Bank & Trust, N.A. 1455 West Loop South, Suite 150 Houston, TX 77027 Full Service B&M $28,185
Guaranty Bank & Trust, N.A. 15001 Fm 529 Houston, TX 77095 Full Service B&M $59,617
Guaranty Bank & Trust, N.A. 16475 Dallas Parkway, Suite 100 Addison, TX 75001 Full Service B&M $130,634
Guaranty Bank & Trust, N.A. 1950 Ne Loop 286 Paris, TX 75460 Full Service B&M $47,095
Guaranty Bank & Trust, N.A. 200 W. Hawkins Parkway Longview, TX 75605 Full Service B&M $53,269
Guaranty Bank & Trust, N.A. 5910 N Central Expy, Ste 150 Dallas, TX 75206 Full Service B&M $62,714
Guaranty Bank & Trust, N.A. 601 West 5th Street Austin, TX 78701 Full Service B&M $69,664
Guaranty Bank & Trust, N.A. 655 West Grand Parkway South Katy, TX 77494 Full Service B&M $72,792
Guaranty Bank & Trust, N.A. 710 William D. Fitch Pwy College Station, TX 77845 Full Service B&M $51,276
Guaranty Bank & Trust, N.A. 750 James Bowie Dr., 910 James Bowie Dr. New Boston, TX 75570 Full Service B&M $61,801
Guaranty Bank & Trust, N.A. 919 Gilmer Street Sulphur Springs, TX 75482 Full Service B&M $133,819

For 2021, Guaranty Bank & Trust N.a. had 31 branches.

Yearly Performance Overview

Bank Income

Item Value (in 000's)
Total interest income $102,543
Net interest income $96,467
Total noninterest income $24,576
Gross Fiduciary activities income $2,333
Service charges on deposit accounts $3,772
Trading account gains and fees $0
Additional Noninterest Income $18,471
Pre-tax net operating income $51,984
Securities gains (or losses, -) $0
Income before extraordinary items $42,516
Discontinued Operations (Extraordinary gains, net) $0
Net income of bank and minority interests $42,516
Minority interest net income $0
Net income $42,516
Sale, conversion, retirement of capital stock, net $0
Net operating income $42,516

Guaranty Bank & Trust N.a.'s gross interest income from loans was $102,543,000.
Guaranty Bank & Trust N.a.'s net interest income from loans was $96,467,000.
Guaranty Bank & Trust N.a.'s fee based income from loans was $3,772,000.
Guaranty Bank & Trust N.a.'s net income from loans was $42,516,000.

Bank Expenses

Item Value (in 000's)
Total interest expense $6,076
Provision for credit losses $-1,700
Total noninterest expense $70,759
Salaries and employee benefits $41,740
Premises and equipment expense $10,944
Additional noninterest expense $18,075
Applicable income taxes $9,468
Net charge-offs $1,486
Cash dividends $18,000

Guaranty Bank & Trust N.a.'s interest expense for loans was $6,076,000.
Guaranty Bank & Trust N.a.'s payroll and benefits expense were $41,740,000.
Guaranty Bank & Trust N.a.'s property, plant and equipment expenses $10,944,000.

Loan Performance

Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
All loans 0.0%
Real Estate loans 0.0%
Construction & Land Development loans 0.0%
Nonfarm, nonresidential loans 0.0%
Multifamily residential loans 0.0%
1-4 family residential loans 0.0%
HELOC loans 0.0%
All other family 0.0%
Commercial & industrial loans 0.0%
Personal loans 0.0%
Credit card loans 0.0%
Other individual loans 0.0%
Auto loans 0.0%
Other consumer loans 0.0%
Unsecured commercial real estate loans 0.0%

Deposits

Type Value (in 000's)
Total deposits $2,673,536
Deposits held in domestic offices $2,673,536
Deposits by Individuals, partnerships, and corporations $2,364,751
Deposits by U.S. Government $0
Deposits by States and political subdivisions in the U.S. $308,288
Deposits by Commercial banks and other depository institutions in U.S. $497
Deposits by Banks in foreign countries $0
Deposits by Foreign governments and official institutions $0
Transaction accounts $636,584
Demand deposits $524,846
Nontransaction accounts $2,036,952
Money market deposit accounts (MMDAs) $811,699
Other savings deposits (excluding MMDAs) $895,590
Total time deposits $329,663
Total time and savings deposits $2,148,690
Noninterest-bearing deposits $1,017,227
Interest-bearing deposits $1,656,309
Retail deposits $2,562,263
IRAs and Keogh plan accounts $38,230
Brokered deposits $0
Deposits held in foreign offices $0

Assets

Asset Value (in 000's)
Total Assets $3,085,443
Cash & Balances due from depository institutions $67,630
Interest-bearing balances $24,651
Total securities $526,469
Federal funds sold & reverse repurchase $431,975
Net loans and leases $1,880,205
Loan and leases loss allowance $30,433
Trading account assets $0
Bank premises and fixed assets $67,846
Other real estate owned $0
Goodwill and other intangibles $35,400
All other assets $75,918

Liabilities

Liabilities Value (in 000's)
Total liabilities and capital $3,085,443
Total Liabilities $2,758,954
Total deposits $2,673,536
Interest-bearing deposits $1,656,309
Deposits held in domestic offices $2,673,536
% insured (estimated) $58
Federal funds purchased and repurchase agreements $14,151
Trading liabilities $0
Other borrowed funds $47,500
Subordinated debt $0
All other liabilities $23,767

Issued Loan Types

Type Value (in 000's)
Net loans and leases $1,880,205
Loan and leases loss allowance $30,433
Total loans and leases (domestic) $1,910,638
All real estate loans $1,521,173
Real estate loans in domestic offices $1,521,173
Construction and development loans $307,178
Residential 1-4 family construction $79,540
Other construction, all land development and other land $227,638
Loans secured by nonfarm nonresidential properties $621,855
Nonfarm nonresidential secured by owner-occupied properties $226,164
Commercial real estate & other non-farm, non-residential $395,691
Multifamily residential real estate $30,932
1-4 family residential loans $416,021
Farmland loans $145,187
Loans held in foreign offices $0
Farm loans $14,639
Commercial and industrial loans $259,643
To non-U.S. addressees $739
Loans to individuals $51,217
Credit card loans $0
Related Plans $4,512
Consumer Auto Loans $16,383
Other loans to individuals $30,322
All other loans & leases $63,966
Loans to foreign governments and official institutions $0
Other loans $44,965
Loans to depository institutions and acceptances of other banks $0
Loans not secured by real estate $260,920
Loans secured by real estate to non-U.S. addressees $7,531
Restructured Loans & leases $9,466
Non 1-4 family restructured loans & leases $9,338
Total loans and leases (foreign) $0

Guaranty Bank & Trust N.A. had $1,880,205,000 of loans outstanding in 2021. $1,521,173,000 of loans were in real estate loans. $307,178,000 of loans were in development loans. $30,932,000 of loans were in multifamily mortgage loans. $416,021,000 of loans were in 1-4 family mortgage loans. $14,639,000 of loans were in farm loans. $0 of loans were in credit card loans. $16,383,000 of loans were in the auto loan category.

Small Business Loans

Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
Nonfarm, nonresidential loans - <$1MM 598 $147,319 $246,353
Nonfarm, nonresidential loans - <$100k 106 $4,080 $38,491
Nonfarm, nonresidential loans - $100-250k 189 $21,966 $116,222
Nonfarm, nonresidential loans - $250k-1MM 303 $121,273 $400,241
Commercial & Industrial, US addressed loans - <$1MM 1,425 $108,444 $76,101
Commercial & Industrial, US addressed loans - <$100k 958 $23,805 $24,849
Commercial & Industrial, US addressed loans - $100-250k 257 $25,817 $100,455
Commercial & Industrial, US addressed loans - $250k-1MM 210 $58,822 $280,105
Farmland loans - <$1MM 391 $40,156 $102,701
Farmland loans - <$100k 210 $8,413 $40,062
Farmland loans - $100-250k 131 $16,748 $127,847
Farmland loans - $250k-1MM 50 $14,995 $299,900
Agriculture operations loans - <$1MM 293 $11,349 $38,734
Agriculture operations loans - <$100k 241 $5,222 $21,668
Agriculture operations loans - $100-250k 40 $3,831 $95,775
Agriculture operations loans - $250k-1MM 12 $2,296 $191,333