Vitals
  • Total Assets
    1.8B 8.6 %
  • Total Deposits
    1.6B 7.6 %
  • Total Net Loans
    1.2B 16.3 %
  • Net Income
    14.0M 17.3 %
  • Book Value
    177.0M 1.2 %
  • Book Value x2
    354.0M 1.2 %
  • Book Value x3
    530.9M 1.2 %
ROAA

.79

ROAE

7.955

Efficiency Ratio

63.584

Net Interest Margin

3.468

Balance Sheet Highlights
Financial Highlights Guaranty Bank & Trust, N.A. All Insured Commercial Banks in Texas
Balance Sheet $(000)
Total Assets 1,826,311 358,087
Total Net Loans 1,236,214 213,533
Total Deposits 1,578,437 308,027
Total Equity 176,979 38,740
Profitability
Net Income 14,025 3,845
Return on Average Assets .79 1.025
Return on Average Equity 7.955 9.415
Net Interest Margin 3.468 3.773
Efficiency Ratio 63.584 66.762
Noninterest Income/Revenue 15.684 16.375
Balance Sheet Ratios
Loan-to-Deposit 78.319 65.494
Securities/Assets .19 .214
Total Equity/Total Assets .097 .108
Tangible Equity/Tangible Assets .085 .104
Capital Adequacy
Tier 1 Common Capital 162,044 37,278
Tier 1 Capital 162,044 37,303
Tier 2 Capital 11,484 2,526
Total Capital 173,528 39,866
Total Risk Weighted Assets 1,374,336 237,367
Leverage Ratio 9.06 10.563
Common Equity Tier 1 Capital Ratio 11.79 18.073
Tier 1 Capital Ratio 11.79 18.097
Total Capital Ratio 12.63 19.169

Timeline for Guaranty Bank & Trust, N.A.

Texas Leadership Bank

Acquisition: Guaranty Bank & Trust, N.A. acquired a new subsidiary, Texas Leadership Bank, 10 years

View Profile Aug 01 2015

Preston State Bank

Acquisition: Guaranty Bank & Trust, N.A. acquired a new subsidiary, Preston State Bank, 10 years

View Profile Mar 28 2015

2800 South Texas Avenue, Llc

2800 South Texas Avenue, Llc became a new subsidiary organization for Guaranty Bank & Trust, N.A..

View Profile May 14 2014

The First State Bank

Acquisition: Guaranty Bank & Trust, N.A. acquired a new subsidiary, The First State Bank, 12 years

View Profile Jul 20 2013

Guaranty Bancshares, Inc.

Guaranty Bancshares, Inc. became a new parent organization for Guaranty Bank & Trust, N.A..

View Profile Jan 16 2009

Want to see more?

Complete timeline for Guaranty Bank & Trust, N.A. is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Texas Leadership Bank Seller 77,433 Pooling of Interests Discontinued 8/1/2015
Preston State Bank Seller 119,375 Acquisition Discontinued 3/28/2015
The First State Bank Seller 32,560 Acquisition Discontinued 7/20/2013
Guaranty Mortgage Company Seller Pooling of Interests Discontinued 8/31/2000
First American Bank, National Association Seller 61,640 Acquisition Discontinued 8/27/1999
The Talco State Bank Seller 18,473 Pooling of Interests Discontinued 1/15/1997
The First National Bank Of Deport Seller 7,114 Discontinued 9/21/1992
Relationships Role Relationship Start Relationship End
Guaranty Bancshares, Inc. Parent 1/16/2009
Guaranty Financial Corporation Parent 2/4/1991 1/15/2009
Guaranty Bancorp, Inc. Parent 12/31/1982 2/3/1991
Guaranty Bancorp, Inc. Parent 2/1/1980 12/30/1982
Guaranty Company Inc. Subsidary 6/30/2007
Gb Com, Inc. Subsidary 6/30/2007
Pin Oak Realty Holdings, Inc. Subsidary 12/12/2008
2800 South Texas Avenue, Llc Subsidary 5/14/2014
Guaranty Leasing Company Subsidary 6/30/2007 5/17/2013
Independent Bank Services, L.C. Subsidary 7/31/1996 4/29/2013
Guaranty Leasing Company Subsidary 9/1/1992 6/29/2007
Guaranty Company Inc. Subsidary 2/19/2002 6/29/2007
Gb Com, Inc. Subsidary 2/24/1994 6/29/2007
Bsc Securities, Lc Subsidary 1/31/1999 9/29/2006
Guaranty Mortgage Company, Inc. Subsidary 10/31/2004 3/30/2005
Guaranty Technology, Llc Subsidary 3/16/2001 10/1/2001
Guaranty Technologies, Lp Subsidary 8/1/2000 2/23/2001
Guaranty Mortgage Company Subsidary 8/27/1999 8/30/2000
Bsc Securities, Lc Subsidary 2/1/1993 1/30/1999
Independent Bank Services, L.C. Subsidary 3/28/1994 7/30/1996
Computer Signet Subsidary 10/30/1984 12/31/1989
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