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 an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Dallas, College Station, Houston, Mount Pleasant, and Texarkana among others. We have data for 36 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 an average 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% 12/3/24
    30 Year Conventional Refi 6.49% 12/3/24
    30 Year Cash-out Refi 6.95% 12/3/24
    30 Year FHA Purchase 7.22% 12/3/24
    30 Year VA Purchase 6.34% 12/3/24
    30 Year USDA Purchase 6.48% 12/3/24
    15 Year Conventional Purchase 6.35% 12/3/24
    15 Year Conventional Refi 6.71% 12/3/24
    15 Year Cash-out Refi 6.71% 12/3/24
    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

    1,184

    Origination Dollar Volume (All Markets)

    $270,980,000

    Employee count

    467 Show all (9) 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) 199 $59,805,000 $300,528 $4,398 3.74%
    COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 109 $32,585,000 $298,945 $5,131 3.35%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 95 $27,345,000 $287,842 $4,466 3.49%
    Mount Pleasant, TX (FHA|USDA|VA) 184 $25,750,000 $139,946 $3,661 3.97%
    TEXARKANA, TX-AR (FHA|USDA|VA) 119 $23,195,000 $194,916 $4,039 3.77%
    Paris, TX (FHA|USDA|VA) 131 $21,905,000 $167,214 $4,020 3.70%
    LONGVIEW, TX (FHA|USDA|VA) 90 $17,890,000 $198,778 $4,408 3.88%
    Outside of Metro Areas 109 $17,855,000 $163,807 $3,494 3.93%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 25 $14,465,000 $578,600 $5,914 3.91%
    Sulphur Springs, TX (FHA|USDA|VA) 63 $12,615,000 $200,238 $4,203 3.83%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 6 $2,400,000 $400,000 $4,770 3.73%
    TYLER, TX (FHA|USDA|VA) 11 $2,285,000 $207,727 $4,548 3.04%
    SHERMAN-DENISON, TX (FHA|USDA|VA) 10 $2,270,000 $227,000 $3,504 4.17%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 2 $1,350,000 $675,000 $5,222 3.50%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 3 $1,335,000 $445,000 $1,846 4.24%
    HOT SPRINGS, AR (FHA|USDA|VA) 2 $1,060,000 $530,000 $3,644 3.69%
    WACO, TX (FHA|USDA|VA) 3 $875,000 $291,667 $4,468 3.14%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 1 $865,000 $865,000 $3,361 3.64%
    CORPUS CHRISTI, TX (FHA|USDA|VA) 2 $770,000 $385,000 $0 4.98%
    OCALA, FL (FHA|USDA|VA) 1 $645,000 $645,000 $0 4.37%
    ABILENE, TX (FHA|USDA|VA) 1 $475,000 $475,000 $21,715 3.50%
    Bonham, TX (FHA|USDA|VA) 2 $460,000 $230,000 $4,930 3.06%
    LUBBOCK, TX (FHA|USDA|VA) 2 $320,000 $160,000 $3,050 3.25%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 1 $305,000 $305,000 $3,078 3.95%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 1 $305,000 $305,000 $4,194 3.50%
    Hope, AR (FHA|USDA|VA) 2 $260,000 $130,000 $3,184 2.81%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 1 $235,000 $235,000 $4,391 3.00%
    AMARILLO, TX (FHA|USDA|VA) 1 $225,000 $225,000 $0 4.95%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 1 $215,000 $215,000 $3,013 2.75%
    Jacksonville, TX (FHA|USDA|VA) 1 $195,000 $195,000 $2,256 4.53%
    Brenham, TX (FHA|USDA|VA) 1 $175,000 $175,000 $3,914 3.00%
    Port Lavaca, TX (FHA|USDA|VA) 1 $155,000 $155,000 $3,753 2.50%
    Camden, AR (FHA|USDA|VA) 1 $105,000 $105,000 $0 4.53%
    Athens, TX (FHA|USDA|VA) 1 $105,000 $105,000 $3,714 2.75%
    KILLEEN-TEMPLE, TX (FHA|USDA|VA) 1 $105,000 $105,000 $2,490 2.88%
    McAlester, OK (FHA|USDA|VA) 1 $75,000 $75,000 $0 4.74%
    Guaranty Bank & Trust N.a.'s top markets include Dallas, College Station, Houston, Mount Pleasant, and Texarkana among others.

    Their top states include:
  • Texas (FHA|USDA|VA)
  • Arkansas (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • California (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: 442
    Farm Credit Services of Western Arkansas, ACA
    Similarity Rank: 465
    State Bank of De Kalb
    Similarity Rank: 684
    VeraBank
    Similarity Rank: 1008
    AAXY L.L.C.
    Similarity Rank: 1044
    SMART CHOICE MORTGAGE, A TEXAS LIMITED LIABILITY C
    Similarity Rank: 1140
    RESIDENTIAL BANCORP
    Similarity Rank: 1392
    CADENCE LENDING GROUP, INC.
    Similarity Rank: 1480
    ADVISA MORTGAGE SERVICES, LTD.
    Similarity Rank: 1524
    MEMBERS CHOICE Credit Union
    Similarity Rank: 1824

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,057 $245,455,000 $232,219 $3,756 3.85%
    FHA 75 $13,675,000 $182,333 $7,055 2.86%
    USDA 29 $4,545,000 $156,724 $5,655 2.90%
    VA 23 $7,305,000 $317,609 $8,190 2.78%

    For 2020, Guaranty Bank & Trust N.a.'s most frequently originated type of loan was Conventional, with 1,057 originations. Their 2nd most popular type was FHA, with 75 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 665 $153,275,000 $230,489 $4,711 3.80%
    Refi 280 $74,460,000 $265,929 $3,775 3.23%
    Cash Out Refi 150 $32,660,000 $217,733 $4,181 3.95%
    Home Improvement 66 $6,860,000 $103,939 $1,936 4.65%
    Other 23 $3,725,000 $161,957 $3,380 4.60%

    For 2020, Guaranty Bank & Trust N.a.'s most frequently cited loan purpose was Home Purchase, with 665 originations. The 2nd most popular reason was Refi, with 280 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 579 $144,255,000 $249,145 $4,861 3.22%
    15 Year 247 $40,315,000 $163,219 $3,615 3.79%
    Other 166 $37,490,000 $225,843 $2,947 4.63%
    20 Year 116 $28,270,000 $243,707 $3,077 4.36%
    10 Year 47 $8,065,000 $171,596 $2,123 4.78%
    5 Year 17 $6,895,000 $405,588 $2,144 4.78%
    1 Year 8 $2,730,000 $341,250 $2,476 5.03%
    3 Year 4 $2,960,000 $740,000 $3,824 4.59%

    For 2020, Guaranty Bank & Trust N.a.'s most frequently cited loan duration was 30 Year, with 579 originations. The 2nd most popular length was 15 Year, with 247 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 509 $118,355,000 $232,525
    $<1k 314 $58,350,000 $185,828
    $2k-3k 58 $18,500,000 $318,966
    $3k-4k 20 $6,240,000 $312,000
    $5k+ 12 $5,510,000 $459,167
    $4k-5k 8 $3,820,000 $477,500

    Guaranty Bank & Trust N.a.'s average total fees were $4,861, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 509 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 391 $99,315,000 $254,003
    4-5% 346 $75,710,000 $218,815
    2.5-3% 282 $69,110,000 $245,071
    5-6% 90 $11,530,000 $128,111
    <2.5% 62 $13,980,000 $225,484
    6-7% 13 $1,335,000 $102,692

    During 2020, Guaranty Bank & Trust N.a.'s average interest rate for loans was 3.22%, while their most frequently originated rate bucket for loans was 3-4%, with 391 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 427 $62,805,000 $147,084 $3,912 3.59%
    $200k-400k 358 $99,610,000 $278,240 $4,792 3.40%
    $100,000 or less 248 $15,370,000 $61,976 $2,160 4.56%
    $400k-600k 111 $53,325,000 $480,405 $5,914 3.50%
    $600k-1MM 24 $18,260,000 $760,833 $7,450 4.19%
    $1MM+ 16 $21,610,000 $1,350,625 $7,225 4.17%

    2020 saw Guaranty Bank & Trust N.a. place emphasis on $100k-200k loans with 427 originations, totaling $62,805,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 233 $49,945,000 $214,356 $4,244 3.58%
    $50k-75k 205 $29,205,000 $142,463 $3,847 3.66%
    $150k-250k 161 $43,365,000 $269,348 $4,489 3.64%
    $75k-100k 160 $29,440,000 $184,000 $4,578 3.50%
    $50k or less 139 $16,485,000 $118,597 $3,486 3.87%
    $250k+ 133 $54,975,000 $413,346 $5,065 3.78%

    Guaranty Bank & Trust N.a. lent most frequently to those with incomes in the $100k-150k range, with 233 originations. The second most popular income band? $50k-75k, with 205 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 252 $53,680,000 $213,016 $3,879 3.62%
    30-36% 198 $41,650,000 $210,354 $4,081 3.62%
    <20% 138 $33,310,000 $241,377 $3,917 3.75%
    41% 41 $9,045,000 $220,610 $4,514 3.46%
    50-60% 40 $5,790,000 $144,750 $4,341 3.94%
    47% 38 $8,240,000 $216,842 $5,270 3.50%
    42% 34 $8,630,000 $253,824 $4,710 3.38%
    37% 32 $6,580,000 $205,625 $4,001 3.89%
    46% 32 $6,440,000 $201,250 $3,903 3.58%
    43% 32 $7,340,000 $229,375 $5,235 3.54%
    39% 31 $6,565,000 $211,774 $5,160 3.52%
    36% 31 $6,475,000 $208,871 $3,744 3.71%
    40% 30 $7,780,000 $259,333 $4,375 3.63%
    38% 30 $6,790,000 $226,333 $5,014 3.45%
    45% 29 $6,825,000 $235,345 $4,650 3.79%
    44% 29 $5,285,000 $182,241 $4,077 3.56%
    >60% 21 $5,445,000 $259,286 $2,604 4.71%
    48% 17 $3,935,000 $231,471 $4,940 3.21%
    49% 11 $2,355,000 $214,091 $3,975 3.58%

    Guaranty Bank & Trust N.a. lent most frequently to those with DTI ratios of 20-30%, with 252 originations. The next most common DTI ratio? 30-36%, with 198 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 984 $212,600,000 $216,057 $4,166 3.65%
    Not applicable 114 $37,890,000 $332,368 $0 4.66%
    Asian 28 $8,010,000 $286,071 $4,671 3.52%
    Not provided 27 $7,535,000 $279,074 $4,964 3.46%
    Black 21 $3,035,000 $144,524 $4,261 4.12%
    American Indian 7 $1,505,000 $215,000 $4,165 3.49%
    Native Hawaiian or Islander 3 $405,000 $135,000 $4,196 3.04%

    Approval Rates

    Total approvals of all applications
    92.50%

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

    Pick Rate

    Approvals leading to origination
    83.28%

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

    Points and Fees

    Points Originations Total Value Average Loan
    0.0 1 $45,000 $45,000
    1250.0 1 $265,000 $265,000
    330.0 28 $7,050,000 $251,786
    NA 1,154 $263,620,000 $228,440

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 2 $760,000 $380,000
    Multifamily:Site-Built 15 $12,695,000 $846,333
    Single Family (1-4 Units):Manufactured 15 $1,005,000 $67,000
    Single Family (1-4 Units):Site-Built 1,152 $256,520,000 $222,674

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 71 $10,825,000 $152,465 $3,041 3.90%
    40-60% 194 $40,180,000 $207,113 $3,678 3.87%
    60-80% 460 $116,730,000 $253,761 $4,099 3.80%
    80-100% 407 $96,865,000 $237,998 $4,788 3.51%
    Over 100% 11 $3,695,000 $335,909 $12,233 3.33%
    Under 20% 41 $2,685,000 $65,488 $1,292 4.74%

    Complaints

    Bank Name Product Issue 2020 CPFB Complaints % of Total Issues
    GUARANTEED RATE INC. Other type of mortgage Closing on a mortgage 1 1.3%
    GUARANTEED RATE INC. VA mortgage Trouble during payment process 6 7.8%
    GUARANTEED RATE INC. VA mortgage Closing on a mortgage 3 3.9%
    GUARANTEED RATE INC. VA mortgage Applying for a mortgage or refinancing an existing mortgage 3 3.9%
    GUARANTEED RATE INC. Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 18 23.4%
    GUARANTEED RATE INC. Conventional home mortgage Closing on a mortgage 10 13.0%
    GUARANTEED RATE INC. Conventional home mortgage Incorrect information on your report 1 1.3%
    GUARANTEED RATE INC. Conventional home mortgage Problem with a credit reporting company's investigation into an existing problem 1 1.3%
    GUARANTEED RATE INC. Conventional home mortgage Struggling to pay mortgage 1 1.3%
    GUARANTEED RATE INC. Conventional home mortgage Trouble during payment process 23 29.9%
    GUARANTEED RATE INC. FHA mortgage Applying for a mortgage or refinancing an existing mortgage 5 6.5%
    GUARANTEED RATE INC. FHA mortgage Closing on a mortgage 2 2.6%
    GUARANTEED RATE INC. FHA mortgage Trouble during payment process 3 3.9%

    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 $353,109
    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 $56,893
    Guaranty Bank & Trust, N.A. 1100 Dallas Drive Denton, TX 76205 Full Service B&M $52,432
    Guaranty Bank & Trust, N.A. 1108 Park Commerce, TX 75428 Full Service B&M $56,401
    Guaranty Bank & Trust, N.A. 116 Greer Blvd Pittsburg, TX 75686 Full Service B&M $76,872
    Guaranty Bank & Trust, N.A. 121 W. Interstate Highway 30 Royse City, TX 75189 Full Service B&M $72,358
    Guaranty Bank & Trust, N.A. 1455 West Loop South, Suite 150 Houston, TX 77027 Full Service B&M $31,974
    Guaranty Bank & Trust, N.A. 15001 Fm 529 Houston, TX 77095 Full Service B&M $60,600
    Guaranty Bank & Trust, N.A. 16475 Dallas Parkway, Suite 100 Addison, TX 75001 Full Service B&M $116,840
    Guaranty Bank & Trust, N.A. 1950 Ne Loop 286 Paris, TX 75460 Full Service B&M $51,953
    Guaranty Bank & Trust, N.A. 200 W. Hawkins Parkway Longview, TX 75605 Full Service B&M $49,917
    Guaranty Bank & Trust, N.A. 2202 Saint Michael Drive Texarkana, TX 75503 Full Service B&M $161,714
    Guaranty Bank & Trust, N.A. 2255 Ridge Road Suite 150 Rockwall, TX 75087 Full Service B&M $43,279
    Guaranty Bank & Trust, N.A. 2317 South Jefferson Boulevard Mount Pleasant, TX 75455 Limited, Drive-thru $8,852
    Guaranty Bank & Trust, N.A. 244 S Loop 336 W Conroe, TX 77304 Full Service B&M $51,003
    Guaranty Bank & Trust, N.A. 2700 Earl Rudder Fwy Suite 1000 College Station, TX 77845 Full Service B&M $37,694
    Guaranty Bank & Trust, N.A. 2800 South Texas Avenue, Suite 140 Bryan, TX 77802 Full Service B&M $73,009
    Guaranty Bank & Trust, N.A. 305 South Highway 37 Mount Vernon, TX 75457 Full Service B&M $47,509
    Guaranty Bank & Trust, N.A. 3101 Wind River Lane Denton, TX 76210 Full Service B&M $50,484
    Guaranty Bank & Trust, N.A. 3250 Lamar Avenue Paris, TX 75460 Full Service B&M $265,158
    Guaranty Bank & Trust, N.A. 4108 N Kings Hwy Texarkana, TX 75503 Full Service B&M $31,094
    Guaranty Bank & Trust, N.A. 500 W 7th St Ste 150 Fort Worth, TX 76102 Full Service B&M $13,337
    Guaranty Bank & Trust, N.A. 500 West Main Street Hallsville, TX 75650 Full Service B&M $39,358
    Guaranty Bank & Trust, N.A. 5800 W. Seventh Street Texarkana, TX 75501 Full Service B&M $30,217
    Guaranty Bank & Trust, N.A. 5944 Luther Lane, Suite 100 Dallas, TX 75225 Full Service B&M $58,434
    Guaranty Bank & Trust, N.A. 601 West 5th Street Austin, TX 78701 Full Service B&M $78,099
    Guaranty Bank & Trust, N.A. 655 West Grand Parkway South Katy, TX 77494 Full Service B&M $56,044
    Guaranty Bank & Trust, N.A. 710 William D. Fitch Pwy College Station, TX 77845 Full Service B&M $50,827
    Guaranty Bank & Trust, N.A. 750 James Bowie Dr., 910 James Bowie Dr. New Boston, TX 75570 Full Service B&M $54,108
    Guaranty Bank & Trust, N.A. 919 Gilmer Street Sulphur Springs, TX 75482 Full Service B&M $115,569

    For 2020, Guaranty Bank & Trust N.a. had 31 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $103,032
    Net interest income $90,911
    Total noninterest income $23,037
    Gross Fiduciary activities income $2,012
    Service charges on deposit accounts $3,064
    Trading account gains and fees $0
    Additional Noninterest Income $17,961
    Pre-tax net operating income $36,227
    Securities gains (or losses, -) $0
    Income before extraordinary items $29,758
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $29,758
    Minority interest net income $0
    Net income $29,758
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $29,758

    Guaranty Bank & Trust N.a.'s gross interest income from loans was $103,032,000.
    Guaranty Bank & Trust N.a.'s net interest income from loans was $90,911,000.
    Guaranty Bank & Trust N.a.'s fee based income from loans was $3,064,000.
    Guaranty Bank & Trust N.a.'s net income from loans was $29,758,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $12,121
    Provision for credit losses $13,200
    Total noninterest expense $64,521
    Salaries and employee benefits $36,765
    Premises and equipment expense $10,220
    Additional noninterest expense $17,536
    Applicable income taxes $6,469
    Net charge-offs $331
    Cash dividends $10,000

    Guaranty Bank & Trust N.a.'s interest expense for loans was $12,121,000.
    Guaranty Bank & Trust N.a.'s payroll and benefits expense were $36,765,000.
    Guaranty Bank & Trust N.a.'s property, plant and equipment expenses $10,220,000.

    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 $2,287,617
    Deposits held in domestic offices $2,287,617
    Deposits by Individuals, partnerships, and corporations $1,977,733
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $309,138
    Deposits by Commercial banks and other depository institutions in U.S. $746
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $519,529
    Demand deposits $419,819
    Nontransaction accounts $1,768,088
    Money market deposit accounts (MMDAs) $691,540
    Other savings deposits (excluding MMDAs) $697,899
    Total time deposits $378,649
    Total time and savings deposits $1,867,798
    Noninterest-bearing deposits $780,967
    Interest-bearing deposits $1,506,650
    Retail deposits $2,154,764
    IRAs and Keogh plan accounts $40,702
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $2,741,053
    Cash & Balances due from depository institutions $132,966
    Interest-bearing balances $85,130
    Total securities $380,795
    Federal funds sold & reverse repurchase $218,825
    Net loans and leases $1,837,279
    Loan and leases loss allowance $33,619
    Trading account assets $0
    Bank premises and fixed assets $68,503
    Other real estate owned $404
    Goodwill and other intangibles $35,972
    All other assets $66,309

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $2,741,053
    Total Liabilities $2,435,127
    Total deposits $2,287,617
    Interest-bearing deposits $1,506,650
    Deposits held in domestic offices $2,287,617
    % insured (estimated) $60
    Federal funds purchased and repurchase agreements $15,631
    Trading liabilities $0
    Other borrowed funds $109,101
    Subordinated debt $0
    All other liabilities $22,778

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,837,279
    Loan and leases loss allowance $33,619
    Total loans and leases (domestic) $1,870,898
    All real estate loans $1,359,768
    Real estate loans in domestic offices $1,359,768
    Construction and development loans $270,055
    Residential 1-4 family construction $63,151
    Other construction, all land development and other land $206,904
    Loans secured by nonfarm nonresidential properties $593,550
    Nonfarm nonresidential secured by owner-occupied properties $214,661
    Commercial real estate & other non-farm, non-residential $378,889
    Multifamily residential real estate $21,684
    1-4 family residential loans $395,980
    Farmland loans $78,499
    Loans held in foreign offices $0
    Farm loans $15,734
    Commercial and industrial loans $335,890
    To non-U.S. addressees $822
    Loans to individuals $51,317
    Credit card loans $0
    Related Plans $2,825
    Consumer Auto Loans $15,234
    Other loans to individuals $33,258
    All other loans & leases $108,189
    Loans to foreign governments and official institutions $0
    Other loans $93,319
    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 $3,550
    Restructured Loans & leases $9,626
    Non 1-4 family restructured loans & leases $9,469
    Total loans and leases (foreign) $0

    Guaranty Bank & Trust N.A. had $1,837,279,000 of loans outstanding in 2020. $1,359,768,000 of loans were in real estate loans. $270,055,000 of loans were in development loans. $21,684,000 of loans were in multifamily mortgage loans. $395,980,000 of loans were in 1-4 family mortgage loans. $15,734,000 of loans were in farm loans. $0 of loans were in credit card loans. $15,234,000 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 609 $142,740 $234,384
    Nonfarm, nonresidential loans - <$100k 115 $4,519 $39,296
    Nonfarm, nonresidential loans - $100-250k 198 $21,857 $110,389
    Nonfarm, nonresidential loans - $250k-1MM 296 $116,364 $393,122
    Commercial & Industrial, US addressed loans - <$1MM 2,337 $163,132 $69,804
    Commercial & Industrial, US addressed loans - <$100k 1,685 $46,762 $27,752
    Commercial & Industrial, US addressed loans - $100-250k 399 $44,873 $112,464
    Commercial & Industrial, US addressed loans - $250k-1MM 253 $71,497 $282,597
    Farmland loans - <$1MM 384 $36,794 $95,818
    Farmland loans - <$100k 225 $8,876 $39,449
    Farmland loans - $100-250k 113 $14,737 $130,416
    Farmland loans - $250k-1MM 46 $13,181 $286,543
    Agriculture operations loans - <$1MM 308 $12,186 $39,565
    Agriculture operations loans - <$100k 252 $5,543 $21,996
    Agriculture operations loans - $100-250k 45 $4,436 $98,578
    Agriculture operations loans - $250k-1MM 11 $2,207 $200,636