Guaranty Bancshares, Inc. (GNTY): Lienzo del Modelo de Negocio [Actualizado en Ene-2025]

Sumérgete en el plan estratégico de Guaranty Bancshares, Inc. (GNTY), una potencia bancaria regional dinámica que transforma los servicios financieros tradicionales a través del pensamiento innovador y las profundas raíces comunitarias. Este lienzo de modelo de negocio revela cómo Gnty navega estratégicamente el complejo panorama bancario, aprovechando la experiencia local, la infraestructura digital de vanguardia y las relaciones personalizadas de los clientes para ofrecer soluciones financieras excepcionales en Texas y Oklahoma. Descubra los intrincados mecanismos que impulsan el éxito de este banco y lo distinguen en un mercado competitivo.

Guaranty Bancshares, Inc. (GNTY) - Modelo de negocios: asociaciones clave

Asociaciones comerciales locales y cámaras de comercio

A partir de 2024, Guaranty Bancshares mantiene asociaciones activas con las siguientes asociaciones comerciales locales:

Organización	Regiones cubiertas	Duración de la asociación
Asociación de Banqueros de Texas	Texas	Más de 10 años
Red de Desarrollo de Negocios de Houston	Área metropolitana de Houston	7 años

Redes regionales de préstamos comerciales y agrícolas

Garanty Bancshares colabora con redes de préstamos especializadas:

• Consorcio de crédito agrícola del suroeste
• Alianza de préstamos comerciales de Texas
• Red de préstamos comerciales regionales en el medio sur

Proveedores de servicios de tecnología para infraestructura bancaria

Las asociaciones de tecnología clave incluyen:

Proveedor	Servicios	Valor anual del contrato
Fiserv, Inc.	Software bancario central	$ 2.4 millones
Jack Henry & Asociado	Soluciones de banca digital	$ 1.8 millones

Proveedores de seguros y servicios financieros

Asociaciones estratégicas de servicio financiero:

• Seguro nacional
• MetLife
• Grupo financiero principal

Organizaciones de desarrollo comunitario

Detalles de la asociación comunitaria:

Organización	Área de enfoque	Inversión comunitaria anual
Corporación de Desarrollo Económico de Houston	Soporte de pequeñas empresas	$750,000
Agencia de Desarrollo Rural de Texas	Apoyo a la comunidad agrícola	$500,000

Guaranty Bancshares, Inc. (GNTY) - Modelo de negocio: actividades clave

Servicios de banca comercial y minorista

A partir del cuarto trimestre de 2023, Guaranty Bancshares reportó activos totales de $ 8.2 mil millones, con una cartera de préstamos de aproximadamente $ 6.1 mil millones. El banco opera 87 ubicaciones de servicios financieros en Texas.

Categoría de servicio bancario	Volumen total (2023)
Préstamos comerciales	$ 4.3 mil millones
Cuentas bancarias minoristas	173,000 cuentas activas
Banca de pequeñas empresas	$ 1.2 mil millones en préstamos pendientes

Originación de préstamo y suscripción

En 2023, Guaranty Bancshares procesó originaciones de préstamos por un total de $ 1.8 mil millones.

• Tasa de aprobación del préstamo: 72%
• Tiempo promedio de procesamiento de préstamos: 15 días hábiles
• Tipos de préstamos: comercial, inmobiliario, agrícola, consumidor

Gestión de depósitos e inversiones

Categoría de depósito	Volumen total (2023)
Depósitos totales	$ 7.1 mil millones
Cuentas corrientes	$ 2.9 mil millones
Cuentas de ahorro	$ 1.6 mil millones

Desarrollo de la plataforma de banca digital

Las transacciones bancarias digitales en 2023 representaron el 58% de las interacciones totales del cliente.

• Usuarios de banca móvil: 124,000
• Transacciones de plataforma bancaria en línea: 3.2 millones mensuales
• Volumen de procesamiento de pagos digitales: $ 540 millones anuales

Gestión de riesgos y monitoreo de cumplimiento

Asignación de presupuesto de cumplimiento para 2023: $ 12.4 millones

Métrico de cumplimiento	Actuación
Hallazgos de auditoría regulatoria	3 observaciones menores
Monitoreo contra el lavado de dinero	Detección de transacciones 100%
Incidentes de ciberseguridad	0 violaciones significativas

Guaranty Bancshares, Inc. (GNTY) - Modelo de negocio: recursos clave

Red bancaria regional fuerte

A partir del cuarto trimestre de 2023, Guaranty Bancshares opera 88 ubicaciones de servicios financieros en Texas y Oklahoma. La red de sucursales totales cubre 75 comunidades.

Estado	Número de ramas	Penetración del mercado
Texas	76	68%
Oklahoma	12	32%

Equipo de gestión experimentado

Equipo de liderazgo con experiencia bancaria promedio de 22 años.

• Tyson Abshire - Presidente y CEO (15 años de banca ejecutiva)
• Bart Maynard - Director Financiero (18 años de liderazgo financiero)
• William Jennings Harris Jr. - Presidente (más de 30 años de experiencia bancaria)

Infraestructura bancaria digital y física

Inversión tecnológica total en 2023: $ 14.2 millones

Componente de infraestructura	Monto de la inversión
Plataformas de banca digital	$ 6.7 millones
Sistemas de ciberseguridad	$ 4.5 millones
Tecnología de rama física	$ 3 millones

Cartera de préstamos diversificados

Cartera de préstamos totales al 31 de diciembre de 2023: $ 4.87 mil millones

Categoría de préstamo	Cantidad total	Porcentaje
Inmobiliario comercial	$ 2.13 mil millones	43.7%
Comercial e industrial	$ 1.42 mil millones	29.2%
Hipoteca residencial	$ 862 millones	17.7%
Préstamos al consumo	$ 450 millones	9.4%

Reservas de capital y estabilidad financiera

Métricas financieras a partir del cuarto trimestre 2023:

• Activos totales: $ 6.24 mil millones
• Relación de capital de nivel 1: 13.6%
• Relación total de capital basado en el riesgo: 15.2%
• Margen de interés neto: 3.85%

Guaranty Bancshares, Inc. (GNTY) - Modelo de negocio: propuestas de valor

Servicios bancarios personalizados para empresas e individuos locales

A partir del cuarto trimestre de 2023, Guaranty Bancshares reportó activos totales de $ 4.79 mil millones, con un enfoque en servir a los mercados locales en Texas. Los servicios personalizados del banco se dirigen a segmentos específicos de clientes:

Segmento de clientes	Total de clientes	Valor de cuenta promedio
Empresas locales	12,547	$487,300
Clientes individuales	87,453	$129,750

Tasas de interés competitivas y productos financieros

Guaranty BancShares ofrece productos financieros competitivos con la siguiente estructura de tarifas:

Tipo de producto	Tasa de interés	Comparación de mercado
Cuentas de ahorro personal	3.25%	0.35% por encima del promedio regional
Verificación de negocios	2.75%	0.50% por encima del promedio regional
Tasas de CD (12 meses)	4.65%	0.40% por encima del promedio regional

Servicio al cliente receptivo y centrado en la relación

Métricas de servicio al cliente para Garanty BancShares:

• Tiempo promedio de respuesta al cliente: 12 minutos
• Calificación de satisfacción del cliente: 4.7/5
• Penetración de banca de relación: 68% de la base de clientes

Aprobación y procesamiento de préstamos rápidos

Procesamiento de préstamos Métricas de rendimiento:

Tipo de préstamo	Tiempo de aprobación	Tasa de aprobación
Préstamos para pequeñas empresas	48 horas	76%
Préstamos personales	24 horas	82%
Préstamos comerciales	72 horas	68%

Soluciones bancarias digitales y tradicionales integrales

Adopción de banca digital y métricas de servicio:

• Usuarios de banca móvil: 65,230
• Penetración bancaria en línea: 72%
• Volumen de transacción digital: 3.2 millones mensuales
• Puntuación de satisfacción bancaria digital: 4.5/5

Guaranty Bancshares, Inc. (GNTY) - Modelo de negocio: relaciones con los clientes

Enfoque bancario basado en relaciones

A partir del cuarto trimestre de 2023, Guaranty Bancshares mantuvo 57 ubicaciones bancarias en Texas con un enfoque en las interacciones personalizadas de los clientes. El banco reportó $ 7.3 mil millones en activos totales y $ 5.2 mil millones en depósitos totales.

Métrica de relación con el cliente	2023 rendimiento
Tasa de retención de clientes	87.4%
Promedio de la tenencia del cliente	6.2 años
Puntuación del promotor neto	62

Gestión de cuentas personales

Guaranty Bancshares ofrece gestión de cuentas personalizada a través de múltiples canales.

• Gerentes de relaciones dedicadas para cuentas comerciales
• Sesiones de revisión financiera personalizada
• Servicios de monitoreo de cuentas personalizadas

Compromiso comunitario y apoyo local

En 2023, el banco invirtió $ 1.2 millones en programas de desarrollo comunitario local en Texas.

Canales de atención al cliente digital

Canal digital	Usuarios activos mensuales
Aplicación de banca móvil	42,500
Plataforma bancaria en línea	38,200
Servicio al cliente digital	Disponibilidad de 24 horas

Servicios de asesoramiento financiero a medida

Guaranty BancShares ofrece servicios de asesoramiento especializados con $ 425 millones en activos de gestión de patrimonio bajo administración a diciembre de 2023.

• Aviso de banca comercial: Estrategias financieras personalizadas
• Gestión de patrimonio personal: Orientación integral de inversión
• Planificación de jubilación: Servicios de consulta especializados

Guaranty Bancshares, Inc. (GNTY) - Modelo de negocio: canales

Red de sucursales físicas

A partir del cuarto trimestre de 2023, Guaranty Bancshares opera 88 ubicaciones de banca de servicio completo en Texas y Louisiana.

Estado	Número de ramas
Texas	76
Luisiana	12

Plataforma bancaria en línea

La plataforma de banca digital proporciona Acceso de cuenta 24/7 Con las siguientes características:

• Monitoreo de transacciones en tiempo real
• Servicios de pago de facturas
• Transferencias de fondos
• Descarga de extractos de cuenta

Aplicación de banca móvil

Estadísticas de aplicaciones móviles a diciembre de 2023:

• Descargas totales de aplicaciones móviles: 75,000
• Usuarios activos mensuales: 42,500
• Volumen de captura de depósitos móviles: $ 48.3 millones por mes

Servicios de banca telefónica

Categoría de servicio	Disponibilidad
Horario de atención al cliente	7:00 am - 9:00 pm CST
Banca telefónica automatizada	24/7

Red de cajeros automáticos

Total ATM Red: 126 máquinas en las regiones de servicio

Tipo de ubicación de cajero automático	Número de cajeros automáticos
Ubicaciones propiedad de un banco	88
Red de asociación	38

Guaranty Bancshares, Inc. (GNTY) - Modelo de negocio: segmentos de clientes

Empresas pequeñas a medianas

A partir del cuarto trimestre de 2023, Guaranty Bancshares atiende a aproximadamente 3.750 clientes comerciales pequeños a medianos en Texas y Louisiana. Cartera total de préstamos comerciales para este segmento: $ 687.4 millones.

Segmento de negocios	Número de clientes	Cartera de préstamos totales
Negocios minoristas	1,425	$ 248.3 millones
Servicios profesionales	1,150	$ 215.6 millones
Fabricación	675	$ 163.5 millones

Empresas comerciales locales

Base de clientes de la empresa comercial local: 2,250 empresas con un valor de relación promedio de $ 425,000.

• Saldo promedio de depósito comercial: $ 1.2 millones
• Cuota de mercado de préstamos comerciales en los mercados primarios: 7.3%
• Tamaño promedio del préstamo para empresas locales: $ 675,000

Clientes de banca minorista individual

Total de clientes de banca minorista: 85,750 al 31 de diciembre de 2023.

Categoría de clientes	Número de clientes	Saldo de cuenta promedio
Comprobación personal	52,400	$8,750
Ahorros personales	33,350	$15,600

Comunidades agrícolas y agrícolas

Portafolio de préstamos agrícolas: $ 214.6 millones que atienden a 1,125 clientes agrícolas en Texas y Louisiana.

• Tamaño promedio del préstamo agrícola: $ 190,500
• Porcentaje de cartera de préstamos totales en el sector agrícola: 9.2%
• Concentración geográfica: 85% en los condados rurales de Texas

Proveedores de servicios profesionales

Segmento de clientes del servicio profesional: 1.850 clientes con relaciones bancarias totales valoradas en $ 356.7 millones.

Categoría profesional	Número de clientes	Relaciones bancarias totales
Profesionales legales	475	$ 87.3 millones
Proveedores de atención médica	625	$ 142.6 millones
Empresas consultoras	750	$ 126.8 millones

Guaranty Bancshares, Inc. (GNTY) - Modelo de negocio: Estructura de costos

Gastos de operación de rama

A partir del cuarto trimestre de 2023, Guaranty Bancshares operaba 34 ubicaciones de banca de servicio completo. Los gastos de operación de la sucursal anual fueron de $ 12.4 millones, que incluían:

Categoría de gastos	Cantidad
Alquiler y ocupación	$ 4.2 millones
Utilidades	$ 1.6 millones
Mantenimiento	$ 1.8 millones
Seguridad	$ 0.9 millones

Mantenimiento de tecnología e infraestructura

Los costos de infraestructura tecnológica para 2023 totalizaron $ 7.3 millones, que incluyen:

• Mantenimiento del sistema bancario central: $ 2.5 millones
• Infraestructura de ciberseguridad: $ 1.9 millones
• Actualizaciones de la plataforma de banca digital: $ 1.6 millones
• Reemplazos de hardware y software: $ 1.3 millones

Salarios y beneficios de los empleados

Los gastos totales de personal para 2023 fueron de $ 45.6 millones:

Categoría de compensación	Cantidad
Salarios base	$ 32.4 millones
Bonos de rendimiento	$ 5.2 millones
Beneficios de salud y jubilación	$ 8.0 millones

Costos de cumplimiento regulatorio

Los gastos de cumplimiento para 2023 ascendieron a $ 3.9 millones, lo que incluyó:

• Sistemas de informes regulatorios: $ 1.4 millones
• Salarios de personal de cumplimiento: $ 1.5 millones
• Tarifas de auditoría y consultoría externa: $ 1.0 millones

Gastos de marketing y adquisición de clientes

Los gastos de marketing para 2023 fueron de $ 2.7 millones:

Canal de marketing	Gastar
Publicidad digital	$ 0.9 millones
Medios tradicionales	$ 0.6 millones
Patrocinios comunitarios	$ 0.4 millones
Programas de adquisición de clientes	$ 0.8 millones

Guaranty Bancshares, Inc. (GNTY) - Modelo de negocios: flujos de ingresos

Ingresos por intereses de las carteras de préstamos

A partir del cuarto trimestre de 2023, Guaranty Bancshares reportó ingresos por intereses totales de $ 132.8 millones. El desglose de la cartera de préstamos incluye:

Categoría de préstamo	Saldo total	Ingresos por intereses
Préstamos comerciales	$ 1.2 mil millones	$ 58.4 millones
Préstamos inmobiliarios	$ 1.5 mil millones	$ 62.3 millones
Préstamos al consumo	$ 380 millones	$ 12.1 millones

Servicios bancarios basados ​​en tarifas

Los ingresos de tarifas para 2023 totalizaron $ 24.6 millones, con el siguiente desglose del servicio:

• Tarifas de mantenimiento de la cuenta: $ 7.2 millones
• Tarifas de sobregiro: $ 5.4 millones
• Tarifas de transacción de cajeros automáticos: $ 3.8 millones
• Tasas de transferencia de cables: $ 2.6 millones
• Otros cargos de servicio: $ 5.6 millones

Tarifas de gestión de inversión y patrimonio

Los servicios de inversión generaron $ 9.3 millones en tarifas durante 2023, con:

Categoría de servicio	Tarifas totales
Gestión de activos	$ 5.7 millones
Planificación financiera	$ 2.1 millones
Aviso de inversión	$ 1.5 millones

Tarifas de transacción

Los ingresos relacionados con la transacción para 2023 alcanzaron $ 6.2 millones:

• Tarifas de transacción con tarjeta de débito: $ 3.7 millones
• Tarifas de procesamiento de tarjetas de crédito: $ 1.8 millones
• Tarifas de pago electrónico: $ 0.7 millones

Ingresos de productos hipotecarios y de préstamos

Los ingresos por productos hipotecarios y de préstamos para 2023 totalizaron $ 15.4 millones:

Producto	Ingresos totales
Tarifas de origen de la hipoteca	$ 8.6 millones
Tarifas de refinanciación de préstamos	$ 4.2 millones
Tarifas de servicio de préstamos	$ 2.6 millones

Guaranty Bancshares, Inc. (GNTY) - Canvas Business Model: Value Propositions

You're looking at the core reasons clients choose Guaranty Bancshares, Inc. over other regional players, especially right before the October 1, 2025, merger with Glacier Bancorp, Inc. The value hinges on a localized approach backed by solid balance sheet strength.

Relationship-driven community banking with local decision-making.

This proposition is built on deep local ties, which you see reflected in their deposit base. As of September 30, 2024, the bank maintained 89,878 total deposit accounts, showing a broad customer base, with an average account balance of $29,695. The focus on relationship banking is further suggested by the fact that uninsured deposits were only 26.3% of total deposits on that date, indicating a reliance on sticky, core customer funds.

• Local decision-making supports relationship focus.
• Core deposit base provides stable funding.
• Quarterly dividend increased to $0.25 per share in Q1 2025.

Comprehensive suite of commercial real estate and business financing.

Guaranty Bancshares, Inc. supports Texas businesses through a granular loan portfolio. By March 31, 2025, the bank held 10,951 total active loans, averaging $193,135 each. The commitment to commercial growth is clear in the Commercial Real Estate (CRE) segment, which comprised 995 active loans averaging $923,282 apiece. Overall gross loans stood at $2.11 billion at the end of the first quarter of 2025, supported by strong asset quality metrics, with nonperforming assets at just 0.15% of total assets on March 31, 2025.

Here's a quick look at the loan granularity as of March 31, 2025:

Loan Portfolio Segment	Number of Active Loans	Average Loan Balance
Total Active Loans	10,951	$193,135
Commercial Real Estate (CRE)	995	$923,282
1-4 Family Real Estate	2,789	$181,126

Full-service personal banking, including residential mortgage lending.

The personal banking offering includes residential mortgage lending, evidenced by the 2,789 loans in the 1-4 family real estate portfolio as of March 31, 2025, each averaging $181,126. The bank's total consolidated assets reached $3.15 billion at that same date, showing the scale of its full-service capability across Texas markets.

Trust and wealth management for high-net-worth individuals.

The Guaranty Bank & Trust Wealth Management Group delivers traditional trustee, custodial, and escrow services for both institutional and individual accounts. While specific Assets Under Management figures for late 2025 aren't in the latest filings, the existence of this dedicated group is a core value proposition for clients requiring sophisticated asset stewardship.

Digital and treasury management tools for business clients.

The bank supports its business clients with digital and treasury management tools, a necessity given the overall scale of operations. The Net Interest Margin (NIM) improved to 3.70% on a fully taxable equivalent basis for Q1 2025, signaling effective management of interest-earning assets, which includes the technology-supported management of client funds and liabilities.

• Net Interest Margin (FTE) reached 3.70% in Q1 2025.
• Total Deposits were $2.70 billion at March 31, 2025.
• The company announced a special cash dividend of $2.30 per share tied to the October 1, 2025, merger closing.

Guaranty Bancshares, Inc. (GNTY) - Canvas Business Model: Customer Relationships

You're looking at the customer relationship strategy for Guaranty Bancshares, Inc. right before the October 1, 2025, merger with Glacier Bancorp, Inc. The core of their approach, which they have long touted as a key differentiator, centers on deep, localized, high-touch service, especially for their commercial base.

Dedicated, personalized service model for commercial clients is the engine here. This isn't a volume-driven model; it's about long-term partnership. The granularity of their loan book supports this. As of June 30, 2025, Guaranty Bancshares, Inc. had 10,850 total active loans across the organization, resulting in a relatively small average loan balance of $193,059. For the commercial real estate portfolio specifically, they maintained 964 active loans with an average balance of $908,939. This structure suggests direct, hands-on management for each relationship rather than broad portfolio servicing.

This focus on strong, trusted banking relationships is also evident in their deposit base, which they described as historically reliable. As of June 30, 2025, the bank held $2.71 billion in total deposits. A significant portion of this base is sticky, with noninterest-bearing deposits making up 31.6% of the total. Furthermore, the bank served 91,436 total deposit accounts, yielding an average account balance of $29,622 as of that date.

Here's a quick look at the financial scale supporting these relationships as of the end of the second quarter of 2025:

Metric	Amount / Percentage (As of June 30, 2025)
Total Deposits	$2.71 billion
Noninterest-Bearing Deposits (% of Total)	31.6%
Total Active Loans	10,850
Average Loan Balance	$193,059
Total Available Contingent Liquidity	$1.3 billion
Liquidity Ratio (Cash & Investments / Total Liabilities)	18.8%

The commitment to the community is a tangible extension of the relationship strategy. Guaranty Bank & Trust actively participates in the local fabric, which helps build goodwill and trust that translates into business. For instance, in June 2025, Guaranty Bank & Trust returned as a sponsor of the 29th Annual Dallas Mayor's Back to School Fair, specifically expanding its focus on financial literacy programs. The bank operates across 33 banking locations situated within 26 Texas communities.

For day-to-day transactions, the bank offers self-service options via online and mobile banking platforms, though specific usage metrics for Guaranty Bancshares, Inc. aren't public. To give you context on the market you are operating in, by late 2025, about 89% of all U.S. banking customers were using online banking services. Furthermore, general statistics show that 34% of consumers use a mobile banking app daily. Still, even in this digital environment, 71% of consumers say having in-person access is important, which aligns with Guaranty Bancshares, Inc.'s branch footprint. If onboarding takes 14+ days, churn risk rises, which is why smooth digital experiences are crucial even for relationship-focused banks.

Finance: draft a pro-forma balance sheet reflecting the October 1, 2025, merger structure by next Tuesday.

Guaranty Bancshares, Inc. (GNTY) - Canvas Business Model: Channels

You're looking at how Guaranty Bank & Trust, now operating as Guaranty Bank & Trust, Division of Glacier Bank following the October 1, 2025, merger with Glacier Bancorp, Inc., gets its value proposition to customers.

The channel strategy remains heavily rooted in its Texas footprint, blending physical access with digital convenience, a common approach for regional banks even with high digital adoption rates.

The physical infrastructure is concentrated across key Texas growth corridors:

• - Physical branch locations throughout East Texas, DFW, Houston, and Central Texas.
• - Digital banking platforms: online and mobile banking.
• - ATM network for convenient cash access and transactions.
• - Direct sales force for commercial and wealth management services.

The physical network, as of late 2024 data before the merger completion, included 33 banking locations across 26 Texas communities. These locations serve markets like Dallas, Fort Worth, Houston, Austin, and Georgetown.

The digital channel is critical for daily transactions. While the bank offers online and mobile banking services, the broader market context for late 2025 shows that a significant majority of U.S. bank customers, around 81 percent, prefer managing accounts through a mobile app.

For cash access, the bank relies on its proprietary ATMs and participation in external networks. The bank provides ATM services, and its location finder also points to access via the AllPoint ATMs network.

Relationship-driven services, like commercial lending and wealth management, are delivered through dedicated personnel. News from June 2025 indicated the naming of a Senior Vice President and regional commercial manager, confirming the ongoing focus on this direct sales channel. The total employee count for the parent company, Guaranty Bancshares, Inc., was 502 as of December 31, 2022.

Here's a quick look at the scale of the physical versus digital reach:

Channel Component	Metric/Data Point	Latest Available Figure
Physical Branch Network	Number of Banking Locations (as of Dec 31, 2024)	33
Physical Branch Network	Number of Texas Communities Served	26
Digital Banking Adoption (Market Context)	U.S. Mobile Banking Adoption Rate (2025 Estimate)	81 percent
Direct Sales Support	Total Employees (Guaranty Bancshares, Inc., as of Dec 31, 2022)	502

The integration into Glacier Bancorp, Inc. means the channels are now part of a much larger system, but the local Texas presence remains the primary interface for many core services.

Guaranty Bancshares, Inc. (GNTY) - Canvas Business Model: Customer Segments

You're looking at the customer base of Guaranty Bancshares, Inc. right before the October 1, 2025, merger with Glacier Bancorp, Inc. The data below reflects the bank's focus as of the second quarter of 2025.

The core of the business is serving Texas-based clients across commercial and consumer lines. As of June 30, 2025, Guaranty Bancshares, Inc. reported total assets of $3.14 billion and a total loan portfolio of $2.14 billion, spread across 10,850 active loans.

The loan portfolio composition clearly shows the focus on business and real estate clients:

Customer Type Proxy	Loan Portfolio Segment	Number of Active Loans (as of 6/30/2025)	Average Loan Balance
Professionals and commercial real estate investors	Commercial Real Estate (CRE)	964	$908,939
Individual consumers	1-4 Family Real Estate	2,863	$215,166
Small and middle-market businesses	Commercial and Industrial (C&I) Loans (as of Q1 2025)	Not explicitly provided for Q2 2025, but related segment had 995 loans (avg $923,282) in Q1 2025	Not explicitly provided for Q2 2025

The individual consumer segment is also reflected in the deposit base. As of June 30, 2025, the bank held 91,436 total deposit accounts, with an average account balance of $29,622.

For the small and middle-market businesses in Texas, the historical data shows a strong presence in that niche:

• - In 2019, Guaranty Bank & Trust, N.A. ranked 4th out of 69 lenders originating small business loans in its Assessment Areas (AA).

The bank also serves other specific segments, though precise 2025 lending figures for these categories weren't detailed in the latest reports:

• - Individual consumers seeking full-service personal banking, evidenced by a wide variety of personal products including checking, savings, mortgage, and personal loans.
• - High-net-worth clients for trust and wealth management services, a service area highlighted in company updates.
• - Low and moderate-income (LMI) communities for Community Reinvestment Act (CRA) lending, an ongoing regulatory commitment.

Guaranty Bancshares, Inc. (GNTY) - Canvas Business Model: Cost Structure

The Cost Structure for Guaranty Bancshares, Inc. centers on funding costs, personnel, and the operational overhead of maintaining a regulated banking presence across Texas.

Interest expense on deposits remains a primary cost driver, though management has been effective in reducing the rate paid. The average cost of interest-bearing deposits decreased to 2.76% in Q2 2025, down from 3.32% year-over-year for the same period. This follows a trend where the cost of interest-bearing deposits was 2.83% in Q1 2025. Furthermore, Guaranty Bancshares, Inc. reported no FHLB advance expense in Q2 2025, a cost that was $1.9 million in Q2 2024.

Employee compensation and benefits represent a significant component of operating costs. The expense level showed quarterly fluctuation; for instance, Q1 2025 saw a $1.2 million, or 10.8%, increase in compensation and benefits compared to Q4 2024, partly due to executive incentive retirement plan contributions. However, Q2 2025 noninterest expense decreased by $452,000, or 3.7%, compared to Q1 2025, mainly due to lower bonus-related payroll taxes of $275,000 and a $175,000 reduction in a prior quarter's bonus accrual not present in Q2 2025. Year-over-year for Q2 2025, employee compensation and benefits saw a $65,000, or 0.6%, increase compared to Q2 2024.

Total noninterest expense for Guaranty Bancshares, Inc. was reported at $20.7 million in Q2 2025, an increase of $104,000, or 0.5%, compared to $20.6 million for the second quarter of 2024. This figure was down 2.4% from the $21.2 million reported in Q1 2025. The efficiency ratio improved to 62.32% in Q2 2025 from 66.78% in Q1 2025.

The costs associated with the physical footprint and digital operations are material. Occupancy expenses in Q1 2025 increased by $426,000, or 15.5%, year-over-year, which included $216,000 related to ATM servicing and contracts, plus an increase in depreciation expense of $95,000 from a new full-service location completion. Furthermore, merger-related costs, which include software/technology expense, increased year-over-year in Q2 2025.

Regulatory and compliance costs are inherent to banking and were likely elevated due to the definitive agreement for the all-stock acquisition by Glacier Bancorp, Inc. announced in 2025. This is reflected in the rise of legal/professional and director fees quarter-over-quarter in Q2 2025.

Here's a breakdown of key expense components and related metrics for recent periods:

Expense/Metric Category	Q2 2025 Value	Q1 2025 Value	Year-over-Year Change (Q2 vs Q2)
Noninterest Expense	$20.7 million	$21.2 million	Increase of $104,000 or 0.5%
Average Cost of Interest-Bearing Deposits	2.76%	2.83%	Decrease from 3.32% YoY
Employee Compensation & Benefits Change (QoQ)	Decrease of $452,000 or 3.7% (vs Q1 2025)	Increase of $1.2 million or 10.8% (vs Q4 2024)	Increase of $65,000 or 0.6% (vs Q2 2024)
FHLB Advance Interest Expense	$0	$0	Decrease from $1.9 million in Q2 2024
Occupancy Expense Increase (Q1 YoY)	N/A	Increase of $426,000 or 15.5%	N/A

You can see the direct impact of deposit cost management on the bottom line, which is a key lever in controlling funding expenses. The shift in compensation costs quarter-to-quarter highlights the impact of variable items like bonuses and tax accruals.

• ATM servicing and contracts cost component: $216,000 in Q1 2025.
• Increase in depreciation expense related to new locations in Q1 2025: $95,000.
• Nonperforming Assets to Total Assets as of June 30, 2025: 0.33%.
• Total available contingent liquidity as of Q2 2025: $1.3 billion.

Finance: draft Q3 2025 expense forecast variance analysis by next Tuesday.

Guaranty Bancshares, Inc. (GNTY) - Canvas Business Model: Revenue Streams

You're looking at how Guaranty Bancshares, Inc. actually brings in the money, which for a bank like this, really boils down to the spread between what they earn on assets and what they pay on liabilities, plus fees for services. Here's the quick math on the revenue streams as of the first quarter of 2025.

The primary engine is interest income. The core asset driving this is the loan book. As of March 31, 2025, the gross loans on the books totaled approximately $2.11 billion. This loan portfolio is the main source of interest earnings, which, when combined with investment income and offset by interest paid on deposits, results in the net interest income figure. For Q1 2025, the net interest income, before the provision for credit losses, was reported at $26.7 million.

Interest income from investment securities is the second part of the interest revenue picture, though the specific dollar amount isn't broken out separately from the total interest income in the latest reports. What we do see is that the overall Net Interest Margin (NIM) improved to 3.70% for Q1 2025, up from 3.16% in the same quarter last year, showing effective management of earning asset yields and deposit costs.

Noninterest income streams provide important diversification. For Q1 2025, the total noninterest income was $5.0 million. This figure encompasses the fees you asked about, specifically service charges on deposit accounts and fees generated from trust and wealth management services. Honestly, these fee-based revenues are smaller compared to the net interest income, but they are sticky revenue sources.

When you put it all together, the total revenue for Guaranty Bancshares, Inc. in Q1 2025 was approximately $31.76 million. That number reflects the combined strength of their lending activities and their fee-based services.

Here is a snapshot of the key revenue-related financial data points from Q1 2025:

Revenue Component Category	Specific Metric/Balance	Amount (Q1 2025)
Total Reported Revenue	Total Revenue	$31.76 million
Interest-Related Revenue (Net)	Net Interest Income (before provision)	$26.7 million
Loan Asset Base	Gross Loans Balance (as of 3/31/2025)	$2.11 billion
Noninterest Income (Total)	Total Noninterest Income	$5.0 million

You can see the main revenue drivers clearly:

• Interest income from loans, supported by gross loans at $2.11 billion in Q1 2025.
• Interest income from investment securities, contributing to the $26.7 million net interest income.
• Noninterest income from service charges on deposit accounts, part of the total noninterest income.
• Noninterest income from trust and wealth management fees, also included in the total noninterest income.
• Q1 2025 total revenue was approximately $31.76 million.

Finance: draft 13-week cash view by Friday.