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 and Refi 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 by origination volume include: Dallas, Austin, Mount Pleasant, College Station, and Paris among others. We have data for 39 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

    840

    Origination Dollar Volume (All Markets)

    $199,260,000

    Employee count

    467 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) 153 $39,885,000 $260,686 $4,400 4.97%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 14 $28,100,000 $2,007,143 $4,729 5.20%
    Mount Pleasant, TX (FHA|USDA|VA) 164 $21,460,000 $130,854 $3,694 5.03%
    COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 63 $18,205,000 $288,968 $4,233 4.80%
    Outside of Metro Areas 86 $15,660,000 $182,093 $3,752 4.82%
    Paris, TX (FHA|USDA|VA) 103 $13,275,000 $128,883 $3,449 5.16%
    TEXARKANA, TX-AR (FHA|USDA|VA) 82 $12,940,000 $157,805 $3,070 5.13%
    Edwards, CO (FHA|USDA|VA) 1 $11,005,000 $11,005,000 $0 5.25%
    LONGVIEW, TX (FHA|USDA|VA) 50 $10,610,000 $212,200 $4,029 4.65%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 26 $6,810,000 $261,923 $3,849 4.88%
    Sulphur Springs, TX (FHA|USDA|VA) 53 $6,775,000 $127,830 $3,285 5.23%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 2 $3,780,000 $1,890,000 $12,983 4.63%
    Cullowhee, NC (FHA|USDA|VA) 1 $2,705,000 $2,705,000 $0 4.95%
    TYLER, TX (FHA|USDA|VA) 5 $1,095,000 $219,000 $4,101 4.88%
    SHERMAN-DENISON, TX (FHA|USDA|VA) 5 $1,005,000 $201,000 $3,649 5.45%
    CORPUS CHRISTI, TX (FHA|USDA|VA) 1 $645,000 $645,000 $0 5.75%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 1 $515,000 $515,000 $0 4.95%
    Gainesville, TX (FHA|USDA|VA) 4 $480,000 $120,000 $2,517 5.13%
    Jacksonville, TX (FHA|USDA|VA) 2 $460,000 $230,000 $5,158 4.75%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 1 $365,000 $365,000 $2,792 4.88%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 1 $325,000 $325,000 $6,746 4.50%
    WACO, TX (FHA|USDA|VA) 2 $320,000 $160,000 $3,208 4.69%
    COLUMBUS, OH (FHA|USDA|VA) 1 $295,000 $295,000 $3,047 4.13%
    Bay City, TX (FHA|USDA|VA) 1 $255,000 $255,000 $0 5.88%
    KILLEEN-TEMPLE, TX (FHA|USDA|VA) 1 $245,000 $245,000 $0 5.25%
    LAWTON, OK (FHA|USDA|VA) 1 $235,000 $235,000 $3,484 4.00%
    SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 2 $200,000 $100,000 $0 6.25%
    Huntsville, TX (FHA|USDA|VA) 2 $200,000 $100,000 $2,157 5.63%
    Kerrville, TX (FHA|USDA|VA) 1 $195,000 $195,000 $4,466 3.50%
    LUBBOCK, TX (FHA|USDA|VA) 1 $185,000 $185,000 $3,627 5.00%
    Athens, TX (FHA|USDA|VA) 2 $180,000 $90,000 $2,185 5.69%
    VICTORIA, TX (FHA|USDA|VA) 1 $155,000 $155,000 $3,319 4.75%
    McAlester, OK (FHA|USDA|VA) 1 $145,000 $145,000 $0 5.50%
    GAINESVILLE, GA (FHA|USDA|VA) 1 $125,000 $125,000 $996 5.50%
    Hope, AR (FHA|USDA|VA) 1 $115,000 $115,000 $2,275 4.63%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 1 $105,000 $105,000 $0 5.13%
    Muskogee, OK (FHA|USDA|VA) 1 $105,000 $105,000 $2,340 4.13%
    Nacogdoches, TX (FHA|USDA|VA) 1 $65,000 $65,000 $0 5.63%
    Taos, NM (FHA|USDA|VA) 1 $35,000 $35,000 $0 7.00%
    Guaranty Bank & Trust N.a.'s top markets include Dallas, Austin, Mount Pleasant, College Station, and Paris among others.

    Their top states include:
  • Texas (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • North Carolina (FHA|USDA|VA)
  • Arkansas (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: 48
    Gilmer National Bank Gilmer Texas
    Similarity Rank: 81
    State Bank of De Kalb
    Similarity Rank: 128
    Extraco Banks
    Similarity Rank: 330
    MEMBERS CHOICE Credit Union
    Similarity Rank: 549
    Austin Bank, Texas
    Similarity Rank: 589
    SMART FINANCIAL CREDIT UNION
    Similarity Rank: 707
    VeraBank
    Similarity Rank: 750
    AAXY L.L.C.
    Similarity Rank: 848
    TEXAS BAY
    Similarity Rank: 888

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 741 $183,575,000 $247,740 $3,339 5.13%
    FHA 63 $9,705,000 $154,048 $6,132 3.99%
    USDA 22 $2,720,000 $123,636 $4,692 3.94%
    VA 14 $3,260,000 $232,857 $5,765 4.26%

    For 2019, Guaranty Bank & Trust N.a.'s most frequently originated type of loan was Conventional, with 741 originations. Their 2nd most popular type was FHA, with 63 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 578 $130,870,000 $226,419 $4,194 4.87%
    Refi 101 $48,395,000 $479,158 $3,619 4.98%
    Cash Out Refi 70 $11,610,000 $165,857 $3,516 5.11%
    Home Improvement 58 $4,100,000 $70,690 $1,600 5.89%
    Other 33 $4,285,000 $129,848 $2,526 5.48%

    For 2019, Guaranty Bank & Trust N.a.'s most frequently cited loan purpose was Home Purchase, with 578 originations. The 2nd most popular reason was Refi, with 101 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 338 $69,730,000 $206,302 $4,502 4.31%
    15 Year 188 $24,660,000 $131,170 $2,947 5.24%
    Other 149 $38,675,000 $259,564 $2,689 5.61%
    20 Year 92 $24,130,000 $262,283 $2,492 5.59%
    10 Year 39 $22,965,000 $588,846 $2,458 5.50%
    1 Year 16 $13,590,000 $849,375 $1,875 5.71%
    5 Year 13 $1,525,000 $117,308 $1,130 5.99%
    3 Year 4 $3,770,000 $942,500 $602 5.13%
    30+ year 1 $215,000 $215,000 $0 5.25%

    For 2019, Guaranty Bank & Trust N.a.'s most frequently cited loan duration was 30 Year, with 338 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 $73,965,000 $170,820
    $1k-2k 90 $17,920,000 $199,111
    $2k-3k 17 $6,065,000 $356,765
    $3k-4k 10 $3,540,000 $354,000
    $5k+ 4 $2,220,000 $555,000
    $4k-5k 2 $460,000 $230,000

    Guaranty Bank & Trust N.a.'s average total fees were $4,502, 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% 345 $71,825,000 $208,188
    4-5% 262 $60,440,000 $230,687
    3-4% 163 $35,685,000 $218,926
    6-7% 58 $30,330,000 $522,931
    7-8% 10 $670,000 $67,000
    <2.5% 1 $265,000 $265,000
    Over 8% 1 $45,000 $45,000

    During 2019, Guaranty Bank & Trust N.a.'s average interest rate for loans was 4.31%, while their most frequently originated rate bucket for loans was 5-6%, with 345 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 324 $46,890,000 $144,722 $3,841 4.79%
    $100,000 or less 262 $15,810,000 $60,344 $2,265 5.55%
    $200k-400k 176 $48,310,000 $274,489 $4,647 4.66%
    $400k-600k 51 $23,865,000 $467,941 $5,386 4.44%
    $1MM+ 14 $54,600,000 $3,900,000 $10,967 5.50%
    $600k-1MM 13 $9,785,000 $752,692 $5,812 5.31%

    2019 saw Guaranty Bank & Trust N.a. place emphasis on $100k-200k loans with 324 originations, totaling $46,890,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 154 $19,670,000 $127,727 $3,711 4.83%
    $50k or less 133 $12,545,000 $94,323 $3,056 5.08%
    $100k-150k 126 $27,130,000 $215,317 $4,163 4.79%
    $75k-100k 126 $18,200,000 $144,444 $3,688 4.92%
    $150k-250k 94 $24,910,000 $265,000 $4,572 4.89%
    $250k+ 56 $20,690,000 $369,464 $4,663 4.97%

    Guaranty Bank & Trust N.a. lent most frequently to those with incomes in the $50k-75k range, with 154 originations. The second most popular income band? $50k or less, with 133 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 154 $25,540,000 $165,844 $3,540 4.86%
    30-36% 133 $25,205,000 $189,511 $3,804 4.80%
    <20% 66 $14,290,000 $216,515 $3,813 5.04%
    44% 40 $9,020,000 $225,500 $4,201 4.91%
    41% 30 $5,650,000 $188,333 $4,097 4.85%
    42% 29 $5,035,000 $173,621 $4,151 4.64%
    43% 27 $5,225,000 $193,519 $3,885 4.90%
    36% 27 $4,025,000 $149,074 $3,906 4.69%
    38% 25 $3,455,000 $138,200 $3,827 4.79%
    39% 24 $4,330,000 $180,417 $4,010 4.76%
    37% 21 $2,515,000 $119,762 $3,051 5.24%
    46% 21 $3,615,000 $172,143 $3,632 5.12%
    50-60% 21 $2,575,000 $122,619 $3,808 5.28%
    >60% 19 $1,815,000 $95,526 $1,703 5.77%
    45% 18 $3,840,000 $213,333 $3,712 5.10%
    40% 17 $3,525,000 $207,353 $4,165 4.95%
    48% 14 $3,020,000 $215,714 $4,516 4.23%
    47% 13 $2,185,000 $168,077 $3,354 5.03%
    49% 8 $1,400,000 $175,000 $3,615 4.95%

    Guaranty Bank & Trust N.a. lent most frequently to those with DTI ratios of 20-30%, with 154 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 651 $114,675,000 $176,152 $3,730 4.92%
    Not applicable 130 $72,180,000 $555,231 $0 5.50%
    Not provided 17 $4,945,000 $290,882 $3,786 4.55%
    Black 19 $2,885,000 $151,842 $4,306 4.91%
    Asian 13 $2,755,000 $211,923 $4,503 4.67%
    Asian Indian 4 $1,030,000 $257,500 $5,165 5.09%
    American Indian 4 $570,000 $142,500 $4,834 4.88%
    Vietnamese 1 $165,000 $165,000 $723 5.63%
    Native Hawaiian or Islander 1 $55,000 $55,000 $0 5.50%

    Approval Rates

    Total approvals of all applications
    90.83%

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

    Pick Rate

    Approvals leading to origination
    85.12%

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

    Points and Fees

    Points Originations Total Value Average Loan
    0.0 4 $1,070,000 $267,500
    330.0 28 $7,330,000 $261,786
    430.0 1 $185,000 $185,000
    75.0 1 $65,000 $65,000
    NA 806 $190,610,000 $236,489

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 17 $39,715,000 $2,336,176
    Single Family (1-4 Units):Manufactured 17 $1,235,000 $72,647
    Single Family (1-4 Units):Site-Built 806 $158,310,000 $196,414

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 63 $5,445,000 $86,429 $2,205 5.51%
    40-60% 136 $30,450,000 $223,897 $3,095 5.17%
    60-80% 318 $103,730,000 $326,195 $3,731 5.10%
    80-100% 293 $57,495,000 $196,229 $4,507 4.61%
    Over 100% 2 $470,000 $235,000 $9,057 4.19%
    Under 20% 28 $1,670,000 $59,643 $1,245 5.90%

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    GUARANTEED RATE INC. VA mortgage Trouble during payment process 1 2.8%
    GUARANTEED RATE INC. Other type of mortgage Closing on a mortgage 2 5.6%
    GUARANTEED RATE INC. Other type of mortgage Trouble during payment process 1 2.8%
    GUARANTEED RATE INC. VA mortgage Closing on a mortgage 1 2.8%
    GUARANTEED RATE INC. Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 4 11.1%
    GUARANTEED RATE INC. Conventional home mortgage Closing on a mortgage 7 19.4%
    GUARANTEED RATE INC. Conventional home mortgage Struggling to pay mortgage 1 2.8%
    GUARANTEED RATE INC. Conventional home mortgage Trouble during payment process 7 19.4%
    GUARANTEED RATE INC. FHA mortgage Applying for a mortgage or refinancing an existing mortgage 2 5.6%
    GUARANTEED RATE INC. FHA mortgage Closing on a mortgage 3 8.3%
    GUARANTEED RATE INC. FHA mortgage Struggling to pay mortgage 3 8.3%
    GUARANTEED RATE INC. FHA mortgage Trouble during payment process 3 8.3%
    GUARANTEED RATE INC. Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 1 2.8%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Guaranty Bank & Trust, N.A. 100 West Arkansas Street Mount Pleasant, TX 75455 Full Service B&M $299,318
    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 $47,937
    Guaranty Bank & Trust, N.A. 1100 Dallas Drive Denton, TX 76205 Full Service B&M $44,954
    Guaranty Bank & Trust, N.A. 1108 Park Commerce, TX 75428 Full Service B&M $55,550
    Guaranty Bank & Trust, N.A. 116 Greer Blvd Pittsburg, TX 75686 Full Service B&M $64,755
    Guaranty Bank & Trust, N.A. 121 W. Interstate Highway 30 Royse City, TX 75189 Full Service B&M $59,701
    Guaranty Bank & Trust, N.A. 15001 Fm 529 Houston, TX 77095 Full Service B&M $64,157
    Guaranty Bank & Trust, N.A. 16475 Dallas Parkway, Suite 100 Addison, TX 75001 Full Service B&M $105,383
    Guaranty Bank & Trust, N.A. 1950 Ne Loop 286 Paris, TX 75460 Full Service B&M $41,651
    Guaranty Bank & Trust, N.A. 200 W. Hawkins Parkway Longview, TX 75605 Full Service B&M $46,655
    Guaranty Bank & Trust, N.A. 2202 Saint Michael Drive Texarkana, TX 75503 Full Service B&M $144,973
    Guaranty Bank & Trust, N.A. 2255 Ridge Road Suite 150 Rockwall, TX 75087 Full Service B&M $35,655
    Guaranty Bank & Trust, N.A. 2317 South Jefferson Boulevard Mount Pleasant, TX 75455 Limited, Drive-thru $6,833
    Guaranty Bank & Trust, N.A. 244 S Loop 336 W Conroe, TX 77304 Full Service B&M $42,365
    Guaranty Bank & Trust, N.A. 2700 Earl Rudder Fwy Suite 1000 College Station, TX 77845 Full Service B&M $27,965
    Guaranty Bank & Trust, N.A. 2800 South Texas Avenue, Suite 140 Bryan, TX 77802 Full Service B&M $102,330
    Guaranty Bank & Trust, N.A. 305 South Highway 37 Mount Vernon, TX 75457 Full Service B&M $37,565
    Guaranty Bank & Trust, N.A. 3101 Wind River Lane Denton, TX 76210 Full Service B&M $45,295
    Guaranty Bank & Trust, N.A. 3250 Lamar Avenue Paris, TX 75460 Full Service B&M $241,465
    Guaranty Bank & Trust, N.A. 410 W 7th Street, Suite 2 Fort Worth, TX 76102 Full Service B&M $9,738
    Guaranty Bank & Trust, N.A. 4108 N Kings Hwy Texarkana, TX 75503 Full Service B&M $29,043
    Guaranty Bank & Trust, N.A. 500 West Main Street Hallsville, TX 75650 Full Service B&M $35,475
    Guaranty Bank & Trust, N.A. 5231 Bellaire Blvd. Bellaire, TX 77401 Full Service B&M $39,685
    Guaranty Bank & Trust, N.A. 5800 W. Seventh Street Texarkana, TX 75501 Full Service B&M $25,664
    Guaranty Bank & Trust, N.A. 5944 Luther Lane, Suite 100 Dallas, TX 75225 Full Service B&M $39,574
    Guaranty Bank & Trust, N.A. 601 West 5th Street Austin, TX 78701 Full Service B&M $28,101
    Guaranty Bank & Trust, N.A. 655 West Grand Parkway South Katy, TX 77494 Full Service B&M $50,873
    Guaranty Bank & Trust, N.A. 710 William D. Fitch Pwy College Station, TX 77845 Full Service B&M $52,987
    Guaranty Bank & Trust, N.A. 750 James Bowie Dr., 910 James Bowie Dr. New Boston, TX 75570 Full Service B&M $53,173
    Guaranty Bank & Trust, N.A. 919 Gilmer Street Sulphur Springs, TX 75482 Full Service B&M $106,258

    For 2019, Guaranty Bank & Trust N.a. had 31 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $102,546
    Net interest income $79,508
    Total noninterest income $16,984
    Gross Fiduciary activities income $1,760
    Service charges on deposit accounts $3,715
    Trading account gains and fees $0
    Additional Noninterest Income $11,509
    Pre-tax net operating income $34,536
    Securities gains (or losses, -) $-22
    Income before extraordinary items $28,097
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $28,097
    Minority interest net income $0
    Net income $28,097
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $28,114

    Guaranty Bank & Trust N.a.'s gross interest income from loans was $102,546,000.
    Guaranty Bank & Trust N.a.'s net interest income from loans was $79,508,000.
    Guaranty Bank & Trust N.a.'s fee based income from loans was $3,715,000.
    Guaranty Bank & Trust N.a.'s net income from loans was $28,097,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $23,038
    Provision for credit losses $1,250
    Total noninterest expense $60,706
    Salaries and employee benefits $35,473
    Premises and equipment expense $9,834
    Additional noninterest expense $15,399
    Applicable income taxes $6,417
    Net charge-offs $-301
    Cash dividends $23,000

    Guaranty Bank & Trust N.a.'s interest expense for loans was $23,038,000.
    Guaranty Bank & Trust N.a.'s payroll and benefits expense were $35,473,000.
    Guaranty Bank & Trust N.a.'s property, plant and equipment expenses $9,834,000.

    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 1.0%
    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 $1,964,068
    Deposits held in domestic offices $1,964,068
    Deposits by Individuals, partnerships, and corporations $1,713,018
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $247,370
    Deposits by Commercial banks and other depository institutions in U.S. $3,680
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $357,247
    Demand deposits $280,150
    Nontransaction accounts $1,606,821
    Money market deposit accounts (MMDAs) $598,929
    Other savings deposits (excluding MMDAs) $492,596
    Total time deposits $515,296
    Total time and savings deposits $1,683,918
    Noninterest-bearing deposits $533,129
    Interest-bearing deposits $1,430,939
    Retail deposits $1,749,381
    IRAs and Keogh plan accounts $40,650
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $2,318,497
    Cash & Balances due from depository institutions $45,468
    Interest-bearing balances $5,561
    Total securities $368,174
    Federal funds sold & reverse repurchase $45,246
    Net loans and leases $1,693,162
    Loan and leases loss allowance $16,202
    Trading account assets $0
    Bank premises and fixed assets $64,985
    Other real estate owned $603
    Goodwill and other intangibles $36,735
    All other assets $64,124

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $2,318,497
    Total Liabilities $2,050,262
    Total deposits $1,964,068
    Interest-bearing deposits $1,430,939
    Deposits held in domestic offices $1,964,068
    % insured (estimated) $62
    Federal funds purchased and repurchase agreements $11,100
    Trading liabilities $0
    Other borrowed funds $66,793
    Subordinated debt $0
    All other liabilities $8,301

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,693,162
    Loan and leases loss allowance $16,202
    Total loans and leases (domestic) $1,709,364
    All real estate loans $1,357,299
    Real estate loans in domestic offices $1,357,299
    Construction and development loans $279,953
    Residential 1-4 family construction $51,892
    Other construction, all land development and other land $228,061
    Loans secured by nonfarm nonresidential properties $566,690
    Nonfarm nonresidential secured by owner-occupied properties $211,529
    Commercial real estate & other non-farm, non-residential $355,161
    Multifamily residential real estate $37,379
    1-4 family residential loans $415,801
    Farmland loans $57,476
    Loans held in foreign offices $0
    Farm loans $18,358
    Commercial and industrial loans $196,843
    To non-U.S. addressees $740
    Loans to individuals $53,556
    Credit card loans $0
    Related Plans $2,303
    Consumer Auto Loans $14,194
    Other loans to individuals $37,059
    All other loans & leases $83,308
    Loans to foreign governments and official institutions $0
    Other loans $66,310
    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 $4,555
    Restructured Loans & leases $7,240
    Non 1-4 family restructured loans & leases $7,071
    Total loans and leases (foreign) $0

    Guaranty Bank & Trust N.A. had $1,693,162,000 of loans outstanding in 2019. $1,357,299,000 of loans were in real estate loans. $279,953,000 of loans were in development loans. $37,379,000 of loans were in multifamily mortgage loans. $415,801,000 of loans were in 1-4 family mortgage loans. $18,358,000 of loans were in farm loans. $0 of loans were in credit card loans. $14,194,000 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 630 $141,751 $225,002
    Nonfarm, nonresidential loans - <$100k 144 $5,577 $38,729
    Nonfarm, nonresidential loans - $100-250k 199 $22,226 $111,688
    Nonfarm, nonresidential loans - $250k-1MM 287 $113,948 $397,031
    Commercial & Industrial, US addressed loans - <$1MM 1,217 $87,527 $71,920
    Commercial & Industrial, US addressed loans - <$100k 827 $19,959 $24,134
    Commercial & Industrial, US addressed loans - $100-250k 213 $20,249 $95,066
    Commercial & Industrial, US addressed loans - $250k-1MM 177 $47,319 $267,339
    Farmland loans - <$1MM 326 $29,734 $91,209
    Farmland loans - <$100k 196 $7,542 $38,480
    Farmland loans - $100-250k 88 $11,096 $126,091
    Farmland loans - $250k-1MM 42 $11,096 $264,190
    Agriculture operations loans - <$1MM 354 $14,362 $40,571
    Agriculture operations loans - <$100k 294 $6,651 $22,622
    Agriculture operations loans - $100-250k 45 $4,696 $104,356
    Agriculture operations loans - $250k-1MM 15 $3,015 $201,000