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

Mount Pleasant, TX

LEI: 549300A2N0IEBKSB5I23

Tax ID: 75-0308240

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & 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 an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Dallas, College Station, Mount Pleasant, Austin, and Texarkana among others. We have data for 27 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Guaranty Bank & Trust N.a. has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Guaranty Bank & Trust N.a. is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.62% 4/21/24
    30 Year Conventional Refi 6.49% 4/21/24
    30 Year Cash-out Refi 6.95% 4/21/24
    30 Year FHA Purchase 7.22% 4/21/24
    30 Year VA Purchase 6.34% 4/21/24
    30 Year USDA Purchase 6.48% 4/21/24
    15 Year Conventional Purchase 6.35% 4/21/24
    15 Year Conventional Refi 6.71% 4/21/24
    15 Year Cash-out Refi 6.71% 4/21/24
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    Guaranty Bank & Trust N.a. Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Guaranty Bank & Trust N.a.. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    839

    Origination Dollar Volume (All Markets)

    $177,245,000

    Employee count

    454 Show all (8) awards

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 112 $33,880,000 $302,500 $4,536 5.29%
    COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 93 $28,485,000 $306,290 $4,830 4.95%
    Mount Pleasant, TX (FHA|USDA|VA) 152 $19,160,000 $126,053 $3,308 5.34%
    Outside of Metro Areas 110 $18,750,000 $170,455 $3,142 5.19%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 15 $15,095,000 $1,006,333 $7,184 5.11%
    TEXARKANA, TX-AR (FHA|USDA|VA) 99 $14,845,000 $149,949 $3,049 5.28%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 24 $12,090,000 $503,750 $4,760 5.48%
    Paris, TX (FHA|USDA|VA) 98 $11,260,000 $114,898 $3,401 5.40%
    Sulphur Springs, TX (FHA|USDA|VA) 71 $9,255,000 $130,352 $3,906 5.17%
    LONGVIEW, TX (FHA|USDA|VA) 31 $5,165,000 $166,613 $3,298 5.34%
    TYLER, TX (FHA|USDA|VA) 7 $1,495,000 $213,571 $3,050 5.41%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 5 $1,415,000 $283,000 $3,210 5.18%
    CORPUS CHRISTI, TX (FHA|USDA|VA) 2 $1,290,000 $645,000 $0 5.75%
    LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 1 $1,275,000 $1,275,000 $0 5.00%
    Bonham, TX (FHA|USDA|VA) 4 $870,000 $217,500 $5,493 5.06%
    Gainesville, TX (FHA|USDA|VA) 2 $720,000 $360,000 $4,961 4.69%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 1 $445,000 $445,000 $4,701 4.75%
    SHERMAN-DENISON, TX (FHA|USDA|VA) 3 $345,000 $115,000 $3,687 4.96%
    BOULDER, CO (FHA|USDA|VA) 1 $285,000 $285,000 $2,312 5.38%
    Mount Pleasant, MI (FHA|USDA|VA) 1 $275,000 $275,000 $2,992 4.88%
    PROVO-OREM, UT (FHA|USDA|VA) 1 $195,000 $195,000 $2,790 4.75%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 1 $185,000 $185,000 $0 5.50%
    Huntsville, TX (FHA|USDA|VA) 1 $125,000 $125,000 $0 5.50%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 1 $115,000 $115,000 $0 5.88%
    TULSA, OK (FHA|USDA|VA) 1 $115,000 $115,000 $3,267 4.75%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 1 $65,000 $65,000 $2,405 5.13%
    Nacogdoches, TX (FHA|USDA|VA) 1 $45,000 $45,000 $0 6.50%
    Guaranty Bank & Trust N.a.'s top markets include Dallas, College Station, Mount Pleasant, Austin, and Texarkana among others.

    Their top states include:
  • Texas (FHA|USDA|VA)
  • Arkansas (FHA|USDA|VA)
  • Oklahoma (FHA|USDA|VA)
  • Kentucky (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against Guaranty Bank & Trust N.A. based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    EAST TEXAS PROFESSIONAL Credit Union
    Similarity Rank: 96
    State Bank of De Kalb
    Similarity Rank: 112
    Gilmer National Bank Gilmer Texas
    Similarity Rank: 135
    Community Bank
    Similarity Rank: 152
    NEIGHBORHOOD
    Similarity Rank: 200
    Texas National Bank of Jacksonville
    Similarity Rank: 230
    CORNERSTONE MORTGAGE PROVIDERS
    Similarity Rank: 291
    The Bank & Trust of Bryan/College Station
    Similarity Rank: 396
    American Momentum Bank
    Similarity Rank: 399
    TEXANS
    Similarity Rank: 416

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 753 $164,785,000 $218,838 $3,273 5.34%
    FHA 60 $8,940,000 $149,000 $6,197 4.49%
    USDA 17 $1,995,000 $117,353 $5,171 4.25%
    VA 9 $1,525,000 $169,444 $4,728 4.40%

    For 2018, Guaranty Bank & Trust N.a.'s most frequently originated type of loan was Conventional, with 753 originations. Their 2nd most popular type was FHA, with 60 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 621 $127,935,000 $206,014 $4,024 5.13%
    Refi 92 $35,070,000 $381,196 $3,994 5.38%
    Cash Out Refi 59 $7,735,000 $131,102 $2,903 5.61%
    Home Improvement 35 $4,155,000 $118,714 $2,029 6.00%
    Other 32 $2,350,000 $73,438 $1,753 5.79%

    For 2018, Guaranty Bank & Trust N.a.'s most frequently cited loan purpose was Home Purchase, with 621 originations. The 2nd most popular reason was Refi, with 92 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 350 $75,920,000 $216,914 $4,398 4.81%
    15 Year 188 $27,450,000 $146,011 $2,768 5.52%
    20 Year 120 $28,240,000 $235,333 $2,471 5.46%
    Other 95 $22,705,000 $239,000 $3,077 5.58%
    10 Year 56 $15,840,000 $282,857 $1,690 5.87%
    5 Year 20 $2,930,000 $146,500 $1,086 5.78%
    1 Year 5 $1,145,000 $229,000 $0 5.03%
    3 Year 3 $1,305,000 $435,000 $0 6.38%
    30+ year 2 $1,710,000 $855,000 $6,447 5.06%

    For 2018, Guaranty Bank & Trust N.a.'s most frequently cited loan duration was 30 Year, with 350 originations. The 2nd most popular length was 15 Year, with 188 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 433 $76,705,000 $177,148
    $1k-2k 75 $14,765,000 $196,867
    $2k-3k 16 $6,320,000 $395,000
    $3k-4k 7 $1,995,000 $285,000
    $4k-5k 5 $1,945,000 $389,000
    $5k+ 5 $2,325,000 $465,000

    Guaranty Bank & Trust N.a.'s average total fees were $4,398, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 433 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    5-6% 364 $82,820,000 $227,527
    4-5% 350 $79,410,000 $226,886
    6-7% 66 $6,940,000 $105,152
    3-4% 27 $6,155,000 $227,963
    7-8% 24 $1,490,000 $62,083
    Over 8% 8 $430,000 $53,750

    During 2018, Guaranty Bank & Trust N.a.'s average interest rate for loans was 4.81%, while their most frequently originated rate bucket for loans was 5-6%, with 364 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 301 $17,515,000 $58,189 $2,263 5.66%
    $100k-200k 270 $39,040,000 $144,593 $3,809 5.02%
    $200k-400k 181 $49,865,000 $275,497 $4,405 4.95%
    $400k-600k 49 $22,805,000 $465,408 $5,406 5.12%
    $600k-1MM 21 $16,035,000 $763,571 $6,474 5.20%
    $1MM+ 17 $31,985,000 $1,881,471 $10,996 5.30%

    2018 saw Guaranty Bank & Trust N.a. place emphasis on $100,000 or less loans with 301 originations, totaling $17,515,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 157 $31,945,000 $203,471 $3,900 5.15%
    $50k-75k 135 $15,685,000 $116,185 $3,418 5.20%
    $50k or less 131 $13,245,000 $101,107 $3,128 5.44%
    $75k-100k 107 $15,905,000 $148,645 $3,531 5.17%
    $150k-250k 89 $23,785,000 $267,247 $4,138 5.16%
    $250k+ 79 $28,125,000 $356,013 $4,982 5.15%

    Guaranty Bank & Trust N.a. lent most frequently to those with incomes in the $100k-150k range, with 157 originations. The second most popular income band? $50k-75k, with 135 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 151 $23,605,000 $156,325 $3,444 5.16%
    30-36% 133 $24,425,000 $183,647 $3,754 5.17%
    <20% 88 $20,160,000 $229,091 $3,467 5.21%
    50-60% 37 $7,875,000 $212,838 $4,862 5.14%
    37% 31 $6,055,000 $195,323 $3,656 5.15%
    45% 29 $5,765,000 $198,793 $4,133 5.35%
    39% 27 $4,535,000 $167,963 $3,602 5.25%
    42% 26 $5,010,000 $192,692 $3,618 5.06%
    46% 26 $3,890,000 $149,615 $3,385 5.42%
    44% 25 $4,175,000 $167,000 $3,700 5.23%
    43% 22 $4,130,000 $187,727 $4,321 5.59%
    38% 20 $3,920,000 $196,000 $3,198 5.21%
    >60% 20 $2,220,000 $111,000 $2,141 5.74%
    41% 19 $4,295,000 $226,053 $3,821 5.34%
    40% 18 $3,050,000 $169,444 $4,077 5.22%
    36% 15 $2,445,000 $163,000 $3,426 5.27%
    48% 11 $2,305,000 $209,545 $3,995 5.13%
    47% 11 $1,855,000 $168,636 $5,768 4.96%
    49% 8 $1,810,000 $226,250 $3,503 4.59%

    Guaranty Bank & Trust N.a. lent most frequently to those with DTI ratios of 20-30%, with 151 originations. The next most common DTI ratio? 30-36%, with 133 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 672 $123,570,000 $183,884 $3,669 5.20%
    Not applicable 117 $44,885,000 $383,632 $0 5.48%
    Asian 13 $3,475,000 $267,308 $4,778 5.12%
    Black 19 $2,405,000 $126,579 $3,766 5.44%
    Not provided 8 $1,320,000 $165,000 $3,994 5.98%
    American Indian 6 $1,020,000 $170,000 $3,536 5.10%
    Other Asian 1 $295,000 $295,000 $3,309 5.00%
    Native Hawaiian or Islander 1 $135,000 $135,000 $3,157 4.63%
    Vietnamese 1 $105,000 $105,000 $1,357 5.50%
    Asian Indian 1 $35,000 $35,000 $1,129 5.00%

    Approval Rates

    Total approvals of all applications
    91.60%

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

    Pick Rate

    Approvals leading to origination
    86.89%

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

    Points and Fees

    Points Originations Total Value Average Loan
    0.0 1 $15,000 $15,000
    330.0 34 $8,150,000 $239,706
    430.0 1 $165,000 $165,000
    NA 803 $168,915,000 $210,355

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 1 $185,000 $185,000
    Multifamily:Site-Built 21 $19,705,000 $938,333
    Single Family (1-4 Units):Manufactured 23 $1,385,000 $60,217
    Single Family (1-4 Units):Site-Built 794 $155,970,000 $196,436

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 62 $9,420,000 $151,935 $2,401 5.57%
    40-60% 124 $26,150,000 $210,887 $3,060 5.56%
    60-80% 352 $88,670,000 $251,903 $3,626 5.29%
    80-100% 262 $50,610,000 $193,168 $4,506 4.91%
    Over 100% 1 $155,000 $155,000 $7,697 4.63%
    Under 20% 38 $2,240,000 $58,947 $1,320 5.71%

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    GUARANTEED RATE INC. VA mortgage Trouble during payment process 1 4.0%
    GUARANTEED RATE INC. Other type of mortgage Struggling to pay mortgage 1 4.0%
    GUARANTEED RATE INC. VA mortgage Applying for a mortgage or refinancing an existing mortgage 2 8.0%
    GUARANTEED RATE INC. VA mortgage Closing on a mortgage 2 8.0%
    GUARANTEED RATE INC. VA mortgage Struggling to pay mortgage 1 4.0%
    GUARANTEED RATE INC. Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 4 16.0%
    GUARANTEED RATE INC. Conventional home mortgage Closing on a mortgage 7 28.0%
    GUARANTEED RATE INC. Conventional home mortgage Trouble during payment process 2 8.0%
    GUARANTEED RATE INC. FHA mortgage Applying for a mortgage or refinancing an existing mortgage 2 8.0%
    GUARANTEED RATE INC. FHA mortgage Struggling to pay mortgage 1 4.0%
    GUARANTEED RATE INC. Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 2 8.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Guaranty Bank & Trust, N.A. 100 West Arkansas Street Mount Pleasant, TX 75455 Limited, Mobile/Seasonal Office $0
    Guaranty Bank & Trust, N.A. 100 West Arkansas Street Mount Pleasant, TX 75455 Full Service B&M $301,776
    Guaranty Bank & Trust, N.A. 1010 N. Kings Hwy Texarkana, TX 75503 Full Service B&M $27,139
    Guaranty Bank & Trust, N.A. 110 Halesboro Street Bogata, TX 75417 Full Service B&M $45,804
    Guaranty Bank & Trust, N.A. 1100 Dallas Drive Denton, TX 76205 Full Service B&M $37,493
    Guaranty Bank & Trust, N.A. 1108 Park Commerce, TX 75428 Full Service B&M $55,016
    Guaranty Bank & Trust, N.A. 116 Greer Blvd Pittsburg, TX 75686 Full Service B&M $66,294
    Guaranty Bank & Trust, N.A. 121 W. Interstate Highway 30 Royse City, TX 75189 Full Service B&M $59,010
    Guaranty Bank & Trust, N.A. 15001 Fm 529 Houston, TX 77095 Full Service B&M $57,761
    Guaranty Bank & Trust, N.A. 16980 N. Dallas Parkway, Suite 110 Dallas, TX 75248 Full Service B&M $71,890
    Guaranty Bank & Trust, N.A. 1950 Ne Loop 286 Paris, TX 75460 Full Service B&M $35,801
    Guaranty Bank & Trust, N.A. 200 W. Hawkins Parkway Longview, TX 75605 Full Service B&M $46,258
    Guaranty Bank & Trust, N.A. 209 W. Main Street Atlanta, TX 75551 Full Service B&M $33,626
    Guaranty Bank & Trust, N.A. 2202 Saint Michael Drive Texarkana, TX 75503 Full Service B&M $142,568
    Guaranty Bank & Trust, N.A. 2255 Ridge Road Suite 150 Rockwall, TX 75087 Full Service B&M $29,720
    Guaranty Bank & Trust, N.A. 2317 South Jefferson Boulevard Mount Pleasant, TX 75455 Full Service B&M $6,590
    Guaranty Bank & Trust, N.A. 244 S Loop 336 W Conroe, TX 77304 Full Service B&M $32,182
    Guaranty Bank & Trust, N.A. 2700 Earl Rudder Fwy Suite 1000 College Station, TX 77845 Full Service B&M $19,942
    Guaranty Bank & Trust, N.A. 2800 South Texas Avenue, Suite 140 Bryan, TX 77802 Full Service B&M $98,677
    Guaranty Bank & Trust, N.A. 3101 Wind River Lane Denton, TX 76210 Full Service B&M $39,194
    Guaranty Bank & Trust, N.A. 3424 Richmond Road Texarkana, TX 75503 Limited, Drive-thru $0
    Guaranty Bank & Trust, N.A. 410 W 7th Street, Suite 2 Fort Worth, TX 76102 Full Service B&M $3,930
    Guaranty Bank & Trust, N.A. 500 West Main Street Hallsville, TX 75650 Full Service B&M $37,279
    Guaranty Bank & Trust, N.A. 5231 Bellaire Blvd. Bellaire, TX 77401 Full Service B&M $38,444
    Guaranty Bank & Trust, N.A. 5800 W. Seventh Street Texarkana, TX 75501 Full Service B&M $23,325
    Guaranty Bank & Trust, N.A. 5944 Luther Lane, Suite 100 Dallas, TX 75225 Full Service B&M $31,281
    Guaranty Bank & Trust, N.A. 655 West Grand Parkway South Katy, TX 77494 Full Service B&M $62,462
    Guaranty Bank & Trust, N.A. 7004 Bee Cave Road, Suite 315 Austin, TX 78746 Full Service B&M $14,364
    Guaranty Bank & Trust, N.A. 710 William D. Fitch Pwy College Station, TX 77845 Full Service B&M $55,996
    Guaranty Bank & Trust, N.A. 919 Gilmer Street Sulphur Springs, TX 75482 Full Service B&M $97,417
    Guaranty Bank & Trust, N.A. Highway 67 At Highway 37 Mount Vernon, TX 75457 Full Service B&M $29,906
    Guaranty Bank & Trust, N.A. James Bowie Dr. New Boston, TX 75570 Full Service B&M $44,539
    Guaranty Bank & Trust, N.A. Lamar Avenue Paris, TX 75460 Full Service B&M $206,040

    For 2018, Guaranty Bank & Trust N.a. had 33 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $88,443
    Net interest income $69,588
    Total noninterest income $15,325
    Gross Fiduciary activities income $1,587
    Service charges on deposit accounts $3,600
    Trading account gains and fees $0
    Additional Noninterest Income $10,138
    Pre-tax net operating income $28,507
    Securities gains (or losses, -) $-50
    Income before extraordinary items $23,378
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $23,378
    Minority interest net income $0
    Net income $23,378
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $23,419

    Guaranty Bank & Trust N.a.'s gross interest income from loans was $88,443,000.
    Guaranty Bank & Trust N.a.'s net interest income from loans was $69,588,000.
    Guaranty Bank & Trust N.a.'s fee based income from loans was $3,600,000.
    Guaranty Bank & Trust N.a.'s net income from loans was $23,378,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $18,855
    Provision for credit losses $2,250
    Total noninterest expense $54,156
    Salaries and employee benefits $31,759
    Premises and equipment expense $8,398
    Additional noninterest expense $13,999
    Applicable income taxes $5,079
    Net charge-offs $458
    Cash dividends $10,000

    Guaranty Bank & Trust N.a.'s interest expense for loans was $18,855,000.
    Guaranty Bank & Trust N.a.'s payroll and benefits expense were $31,759,000.
    Guaranty Bank & Trust N.a.'s property, plant and equipment expenses $8,398,000.

    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 $1,875,591
    Deposits held in domestic offices $1,875,591
    Deposits by Individuals, partnerships, and corporations $1,640,341
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $227,641
    Deposits by Commercial banks and other depository institutions in U.S. $7,609
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $343,997
    Demand deposits $254,887
    Nontransaction accounts $1,531,594
    Money market deposit accounts (MMDAs) $625,265
    Other savings deposits (excluding MMDAs) $470,833
    Total time deposits $435,496
    Total time and savings deposits $1,620,704
    Noninterest-bearing deposits $493,900
    Interest-bearing deposits $1,381,691
    Retail deposits $1,738,819
    IRAs and Keogh plan accounts $41,369
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $2,266,909
    Cash & Balances due from depository institutions $51,235
    Interest-bearing balances $6,764
    Total securities $396,139
    Federal funds sold & reverse repurchase $20,275
    Net loans and leases $1,647,239
    Loan and leases loss allowance $14,651
    Trading account assets $0
    Bank premises and fixed assets $52,227
    Other real estate owned $751
    Goodwill and other intangibles $38,023
    All other assets $61,020

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $2,266,909
    Total Liabilities $2,011,273
    Total deposits $1,875,591
    Interest-bearing deposits $1,381,691
    Deposits held in domestic offices $1,875,591
    % insured (estimated) $63
    Federal funds purchased and repurchase agreements $12,228
    Trading liabilities $0
    Other borrowed funds $115,136
    Subordinated debt $0
    All other liabilities $8,318

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,647,239
    Loan and leases loss allowance $14,651
    Total loans and leases (domestic) $1,661,890
    All real estate loans $1,321,210
    Real estate loans in domestic offices $1,321,210
    Construction and development loans $236,921
    Residential 1-4 family construction $55,267
    Other construction, all land development and other land $181,654
    Loans secured by nonfarm nonresidential properties $581,964
    Nonfarm nonresidential secured by owner-occupied properties $214,874
    Commercial real estate & other non-farm, non-residential $367,090
    Multifamily residential real estate $38,379
    1-4 family residential loans $396,111
    Farmland loans $67,835
    Loans held in foreign offices $0
    Farm loans $23,277
    Commercial and industrial loans $203,656
    To non-U.S. addressees $740
    Loans to individuals $55,084
    Credit card loans $0
    Related Plans $1,741
    Consumer Auto Loans $13,473
    Other loans to individuals $39,870
    All other loans & leases $58,663
    Loans to foreign governments and official institutions $0
    Other loans $40,968
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $4,736
    Restructured Loans & leases $668
    Non 1-4 family restructured loans & leases $429
    Total loans and leases (foreign) $0

    Guaranty Bank & Trust N.A. had $1,647,239,000 of loans outstanding in 2018. $1,321,210,000 of loans were in real estate loans. $236,921,000 of loans were in development loans. $38,379,000 of loans were in multifamily mortgage loans. $396,111,000 of loans were in 1-4 family mortgage loans. $23,277,000 of loans were in farm loans. $0 of loans were in credit card loans. $13,473,000 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 636 $139,511 $219,357
    Nonfarm, nonresidential loans - <$100k 154 $5,784 $37,558
    Nonfarm, nonresidential loans - $100-250k 213 $25,005 $117,394
    Nonfarm, nonresidential loans - $250k-1MM 269 $108,722 $404,171
    Commercial & Industrial, US addressed loans - <$1MM 1,171 $81,583 $69,670
    Commercial & Industrial, US addressed loans - <$100k 804 $19,540 $24,303
    Commercial & Industrial, US addressed loans - $100-250k 201 $19,538 $97,204
    Commercial & Industrial, US addressed loans - $250k-1MM 166 $42,505 $256,054
    Farmland loans - <$1MM 332 $30,213 $91,003
    Farmland loans - <$100k 196 $7,614 $38,847
    Farmland loans - $100-250k 97 $12,263 $126,423
    Farmland loans - $250k-1MM 39 $10,336 $265,026
    Agriculture operations loans - <$1MM 389 $16,465 $42,326
    Agriculture operations loans - <$100k 325 $7,348 $22,609
    Agriculture operations loans - $100-250k 48 $5,344 $111,333
    Agriculture operations loans - $250k-1MM 16 $3,773 $235,813