Guaranty Bank & Trust, N.A.


Guaranty Bank & Trust, N.A. is an FDIC insured institution headquartered at 100 W Arkansas St, Mount Pleasant, TX 75455.
It was founded in 1913 and has approximately $3 billion in assets. Customers can open an account at one of its 32 branches.

Deposit Rates - October 22, 2024

SAVINGS RATES APY MIN
Savings
0.15% $2,500 Compare
CD RATES APY MIN
6 Mo CD
0.30% $10,000 Compare
6 Mo CD
0.30% $100,000 Compare
Special: 12 Mo CD
0.65% $1,000 Compare
12 Mo CD
0.45% $10,000 Compare
12 Mo CD
0.45% $100,000 Compare
18 Mo CD
0.50% $10,000 Compare
18 Mo CD
0.50% $100,000 Compare
24 Mo CD
0.50% $10,000 Compare
24 Mo CD
0.50% $100,000 Compare
30 Mo CD
0.50% $10,000 Compare
30 Mo CD
0.50% $100,000 Compare
36 Mo CD
0.50% $10,000 Compare
36 Mo CD
0.50% $100,000 Compare
48 Mo CD
0.55% $10,000 Compare
48 Mo CD
0.55% $100,000 Compare
60 Mo CD
0.65% $10,000 Compare
60 Mo CD
0.65% $100,000 Compare
MM RATES APY MIN
Money Market
0.10% $2,500 Compare
Money Market
0.10% $10,000 Compare
Money Market
0.15% $25,000 Compare
INT CHECKING RATES APY MIN
Int Ckg
0.10% $2,500

Overview 2024

General Bank Information

FDIC Insured Yes
FDIC Certificate # 1208
Date Established 1913
Assets $ 3.08 billion
Loans $ 2.19 billion
Deposits $ 2.63 billion
Capital $ 352.15 million

Summary Balance Sheet as of March 31, 2024

ASSETS
Cash & Balances due from depository institutions $ 49.74 million
Interest-bearing balances $ 4.72 million
Total securities $ 590.65 million
Federal funds sold and reverse repurchase $ 40.48 million
Net loans and leases $ 2.19 billion
Loan loss allowance $ 29.28 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 15.18 million
Goodwill and other intangibles $ 33.99 million
All other assets $ 85.64 million
     Total Assets $ 2.73 billion

LIABILITIES
Total deposits $ 2.63 billion
      Interest-bearing deposits $ 1,805.73 million
      Deposits held in domestic offices $ 2.63 billion
      % insured (estimated) 68.40%
Federal funds purchased and repurchase agreements $ 25.17 million
Trading liabilities N.A.
Other borrowed funds $ 131.50 million
Subordinated debt N.A.
All other liabilities $ 24.70 millionn
      Total Liabilities $ 2.73 billion
      Shareholders’ Equity $ 352.15 million

Summary Income Statement as of March 31, 2024

INCOME AND EXPENSES
Total Interest Income $ 81.46 million
Total Interest Expense $ 32.95 million
Net interest income $ 48.51 million
Provision for loan and lease losses N.A.
Total non interest income $ 9.98 million
Total non interest expense $ 40.52 million
Pre-tax Net Operating Income $ 27.95 million

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Branches

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Guaranty Bank & Trust, N.A. Locations