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 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, Houston, College Station, and Mount Pleasant among others. We have data for 41 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Guaranty Bank & Trust N.a. has an 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% 12/2/24
    30 Year Conventional Refi 6.49% 12/2/24
    30 Year Cash-out Refi 6.95% 12/2/24
    30 Year FHA Purchase 7.22% 12/2/24
    30 Year VA Purchase 6.34% 12/2/24
    30 Year USDA Purchase 6.48% 12/2/24
    15 Year Conventional Purchase 6.35% 12/2/24
    15 Year Conventional Refi 6.71% 12/2/24
    15 Year Cash-out Refi 6.71% 12/2/24
    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

    1,061

    Origination Dollar Volume (All Markets)

    $312,115,000

    Employee count

    472 Show all (5) 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) 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.

    Their top states include:
  • Texas (FHA|USDA|VA)
  • Arkansas (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)
  • Montana (FHA|USDA|VA)
  • Tennessee (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.

    State Bank of De Kalb
    Similarity Rank: 285
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    AMOCO
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    American Momentum Bank
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    RED RIVER EMPLOYEES
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    AAXY L.L.C.
    Similarity Rank: 1188
    SCHLUMBERGER EMPLOYEES CREDIT UNION
    Similarity Rank: 1320
    U S WIDE FINANCIAL LLC
    Similarity Rank: 1512
    SMART CHOICE MORTGAGE, A TEXAS LIMITED LIABILITY C
    Similarity Rank: 1832
    WESTSTAR MORTGAGE CORPORATION
    Similarity Rank: 1968

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. 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 2021, Guaranty Bank & Trust N.a.'s most frequently originated type of loan was Conventional, with 995 originations. Their 2nd most popular type was FHA, with 36 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. 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 2021, Guaranty Bank & Trust N.a.'s most frequently cited loan purpose was Home Purchase, with 676 originations. The 2nd most popular reason was 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 2021, Guaranty Bank & Trust N.a.'s most frequently cited loan duration was 30 Year, with 428 originations. The 2nd most popular length was 15 Year, with 226 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost 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
    $5k+ 14 $14,490,000 $1,035,000
    $3k-4k 11 $4,255,000 $386,818
    $4k-5k 7 $2,665,000 $380,714

    Guaranty Bank & Trust N.a.'s average total fees were $5,205, while their most frequently occuring range of origination fees (closing costs) 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 for loans was 3.17%, while their most frequently originated rate bucket for loans was 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 or Islander 1 $75,000 $75,000 $4,947 3.25%

    Approval Rates

    Total approvals of all applications
    89.91%

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

    Pick Rate

    Approvals leading to origination
    85.86%

    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. 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. 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. 5800 W. Seventh Street Texarkana, TX 75501 Full Service B&M $30,095
    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