Guaranty Bancshares, Inc. (GNTY): Business Model Canvas [Jan-2025 Mis à jour]

Plongez dans le plan stratégique de Guaranty Bancshares, Inc. (GNTY), une puissance bancaire régionale dynamique qui transforme les services financiers traditionnels grâce à une pensée innovante et à des racines communautaires profondes. Cette toile de modèle commercial révèle comment GNTY navigue stratégiquement dans le paysage bancaire complexe, tirant parti de l'expertise locale, des infrastructures numériques de pointe et des relations clients personnalisées pour fournir des solutions financières exceptionnelles au Texas et à l'Oklahoma. Découvrez les mécanismes complexes qui stimulent le succès de cette banque et le distinguent dans un marché concurrentiel.

Guaranty Bancshares, Inc. (GNTY) - Modèle d'entreprise: partenariats clés

Associations commerciales locales et chambres de commerce

En 2024, Guaranty Bancshares maintient des partenariats actifs avec les associations commerciales locales suivantes:

Organisation	Régions couvertes	Durée du partenariat
Texas Bankers Association	Texas	Plus de 10 ans
Houston Business Development Network	Région métropolitaine de Houston	7 ans

Réseaux de prêts commerciaux et agricoles régionaux

Guaranty Bancshares collabore avec des réseaux de prêt spécialisés:

• Consortium de crédit agricole du Sud-Ouest
• Texas Commercial Lending Alliance
• Réseau de prêt commercial régional Mid-South

Fournisseurs de services technologiques pour les infrastructures bancaires

Les partenariats technologiques clés comprennent:

Fournisseur	Services	Valeur du contrat annuel
Fiserv, Inc.	Logiciel bancaire de base	2,4 millions de dollars
Jack Henry & Associés	Solutions bancaires numériques	1,8 million de dollars

Fournisseurs d'assurance et de services financiers

Partenariats stratégiques de services financiers:

• Assurance à l'échelle nationale
• Métlife
• Groupe financier principal

Organisations de développement communautaire

Détails du partenariat communautaire:

Organisation	Domaine de mise au point	Investissement communautaire annuel
Houston Economic Development Corporation	Soutien aux petites entreprises	$750,000
Agence de développement rural du Texas	Soutien de la communauté agricole	$500,000

Guaranty Bancshares, Inc. (GNTY) - Modèle d'entreprise: Activités clés

Services bancaires commerciaux et de détail

Au quatrième trimestre 2023, Guaranty Bancshares a déclaré un actif total de 8,2 milliards de dollars, avec un portefeuille de prêts d'environ 6,1 milliards de dollars. La banque exploite 87 emplacements de services financiers à travers le Texas.

Catégorie de service bancaire	Volume total (2023)
Prêts commerciaux	4,3 milliards de dollars
Comptes bancaires de détail	173 000 comptes actifs
Banque des petites entreprises	1,2 milliard de dollars en prêts en cours

Origination du prêt et souscription

En 2023, Guaranty Bancshares a traité les origines du prêt totalisant 1,8 milliard de dollars.

• Taux d'approbation du prêt: 72%
• Temps de traitement des prêts moyens: 15 jours ouvrables
• Types de prêts: commercial, immobilier, agricole, consommateur

Gestion des dépôts et des investissements

Catégorie de dépôt	Volume total (2023)
Dépôts totaux	7,1 milliards de dollars
Comptes chèques	2,9 milliards de dollars
Comptes d'épargne	1,6 milliard de dollars

Développement de la plate-forme bancaire numérique

Les transactions bancaires numériques en 2023 représentaient 58% des interactions totales des clients.

• Utilisateurs de la banque mobile: 124 000
• Transactions de plate-forme bancaire en ligne: 3,2 millions par mois
• Volume de traitement des paiements numériques: 540 millions de dollars par an

Gestion des risques et surveillance de la conformité

Attribution du budget de conformité pour 2023: 12,4 millions de dollars

Métrique de conformité	Performance
Résultats d'audit réglementaire	3 observations mineures
Surveillance anti-blanchiment	Frimage à 100% des transactions
Incidents de cybersécurité	0 violations significatives

Guaranty Bancshares, Inc. (GNTY) - Modèle d'entreprise: Ressources clés

Réseau bancaire régional solide

Au quatrième trimestre 2023, Guaranty Bancshares exploite 88 emplacements de services financiers à travers le Texas et l'Oklahoma. Le réseau de succursales totales couvre 75 communautés.

État	Nombre de branches	Pénétration du marché
Texas	76	68%
Oklahoma	12	32%

Équipe de gestion expérimentée

Équipe de direction avec une expérience bancaire moyenne de 22 ans.

• Tyson Abshire - Président et chef de la direction (15 ans de banque exécutive)
• Bart Maynard - directeur financier (18 ans de leadership financier)
• William Jennings Harris Jr. - Président (plus de 30 ans d'expérience bancaire)

Infrastructure bancaire numérique et physique

Investissement total technologique en 2023: 14,2 millions de dollars

Composant d'infrastructure	Montant d'investissement
Plateformes bancaires numériques	6,7 millions de dollars
Systèmes de cybersécurité	4,5 millions de dollars
Technologie de branche physique	3 millions de dollars

Portefeuille de prêts diversifié

Portfolio total des prêts au 31 décembre 2023: 4,87 milliards de dollars

Catégorie de prêt	Montant total	Pourcentage
Immobilier commercial	2,13 milliards de dollars	43.7%
Commercial et industriel	1,42 milliard de dollars	29.2%
Hypothèque résidentielle	862 millions de dollars	17.7%
Prêts à la consommation	450 millions de dollars	9.4%

Réserves de capital et stabilité financière

Mesures financières auprès du quatrième trimestre 2023:

• Actif total: 6,24 milliards de dollars
• Ratio de capital de niveau 1: 13,6%
• Ratio de capital total basé sur les risques: 15,2%
• Marge d'intérêt net: 3,85%

Guaranty Bancshares, Inc. (GNTY) - Modèle d'entreprise: propositions de valeur

Services bancaires personnalisés pour les entreprises et les particuliers locaux

Au quatrième trimestre 2023, Guaranty Bancshares a déclaré un actif total de 4,79 milliards de dollars, en mettant l'accent sur les marchés locaux au Texas. Les services personnalisés de la banque ciblent des segments de clients spécifiques:

Segment de clientèle	Total des clients	Valeur moyenne du compte
Entreprises locales	12,547	$487,300
Clients individuels	87,453	$129,750

Taux d'intérêt concurrentiels et produits financiers

Guaranty Bancshares propose des produits financiers compétitifs avec la structure des taux suivante:

Type de produit	Taux d'intérêt	Comparaison du marché
Comptes d'épargne personnels	3.25%	0,35% au-dessus de la moyenne régionale
Vérification des affaires	2.75%	0,50% au-dessus de la moyenne régionale
Tarifs de CD (12 mois)	4.65%	0,40% au-dessus de la moyenne régionale

Service client réactif et axé sur les relations

Métriques du service client pour la garantie Bancshares:

• Temps de réponse moyen du client: 12 minutes
• Évaluation de satisfaction du client: 4.7 / 5
• Pénétration des banques de relations: 68% de la clientèle

Approbation et traitement du prêt rapide

Métriques de performance de traitement des prêts:

Type de prêt	Temps d'approbation	Taux d'approbation
Prêts aux petites entreprises	48 heures	76%
Prêts personnels	24 heures	82%
Prêts commerciaux	72 heures	68%

Solutions bancaires numériques et traditionnelles complètes

Métriques d'adoption et de service des banques numériques:

• Utilisateurs de la banque mobile: 65 230
• Pénétration des services bancaires en ligne: 72%
• Volume de transaction numérique: 3,2 millions par mois
• Score de satisfaction bancaire numérique: 4,5 / 5

Guaranty Bancshares, Inc. (GNTY) - Modèle d'entreprise: relations avec les clients

Approche bancaire basée sur les relations

Depuis le quatrième trimestre 2023, Guaranty Bancshares a maintenu 57 emplacements bancaires à travers le Texas en mettant l'accent sur les interactions personnalisées des clients. La banque a déclaré 7,3 milliards de dollars d'actifs totaux et 5,2 milliards de dollars de dépôts totaux.

Métrique de la relation client	Performance de 2023
Taux de rétention de la clientèle	87.4%
Mandat moyen des clients	6,2 ans
Score de promoteur net	62

Gestion des comptes personnels

Guaranty Bancshares offre une gestion des comptes personnalisé via plusieurs canaux.

• Gestionnaires des relations dédiées aux comptes d'entreprise
• Sessions d'examen financière personnalisées
• Services de surveillance des comptes personnalisés

Engagement communautaire et soutien local

En 2023, la banque a investi 1,2 million de dollars dans des programmes de développement communautaire local à travers le Texas.

Canaux de support client numérique

Canal numérique	Utilisateurs actifs mensuels
Application bancaire mobile	42,500
Plateforme bancaire en ligne	38,200
Service client numérique	Disponibilité 24h / 24

Services de conseil financier sur mesure

Guaranty Bancshares fournit des services de conseil spécialisés avec 425 millions de dollars d'actifs de gestion de patrimoine en administration en décembre 2023.

• Advisory des banques d'affaires: Stratégies financières personnalisées
• Gestion de la richesse personnelle: Guide complète d'investissement
• Planification de la retraite: Services de consultation spécialisés

Guaranty Bancshares, Inc. (GNTY) - Modèle d'entreprise: canaux

Réseau de succursale physique

Depuis le quatrième trimestre 2023, Guaranty Bancshares exploite 88 emplacements bancaires à service complet à travers le Texas et la Louisiane.

État	Nombre de branches
Texas	76
Louisiane	12

Plateforme bancaire en ligne

La plateforme bancaire numérique fournit Accès du compte 24/7 avec les fonctionnalités suivantes:

• Surveillance des transactions en temps réel
• Services de paiement de factures
• Transferts de fonds
• Téléchargement des déclarations du compte

Application bancaire mobile

Statistiques des applications mobiles en décembre 2023:

• Téléchargements totaux d'applications mobiles: 75 000
• Utilisateurs actifs mensuels: 42 500
• Volume de capture de dépôt mobile: 48,3 millions de dollars par mois

Services bancaires téléphoniques

Catégorie de service	Disponibilité
Heures d'assistance client	7h00 - 21h00 CST
Banque de téléphone automatisé	24/7

Réseau ATM

Réseau ATM total: 126 machines dans toutes les régions de service

Type d'emplacement ATM	Nombre de distributeurs automatiques de billets
Emplacements appartenant à des banques	88
Réseau de partenaires	38

Guaranty Bancshares, Inc. (GNTY) - Modèle d'entreprise: segments de clientèle

Petites et moyennes entreprises

Depuis le quatrième trimestre 2023, Guaranty Bancshares dessert environ 3 750 clients commerciaux de taille petite et moyenne à travers le Texas et la Louisiane. Portfolio total de prêts commerciaux pour ce segment: 687,4 millions de dollars.

Segment d'entreprise	Nombre de clients	Portefeuille de prêts totaux
Commerces de détail	1,425	248,3 millions de dollars
Services professionnels	1,150	215,6 millions de dollars
Fabrication	675	163,5 millions de dollars

Entreprises commerciales locales

Base de clientèle commerciale locale: 2 250 entreprises avec une valeur de relation moyenne de 425 000 $.

• Solde de dépôt commercial moyen: 1,2 million de dollars
• Part de marché des prêts commerciaux sur les marchés primaires: 7,3%
• Taille moyenne du prêt pour les entreprises locales: 675 000 $

Clients bancaires de détail individuels

Total des clients bancaires au détail: 85 750 au 31 décembre 2023.

Catégorie client	Nombre de clients	Solde moyen du compte
Vérification personnelle	52,400	$8,750
Économies personnelles	33,350	$15,600

Communautés agricoles et agricoles

Portefeuille de prêts agricoles: 214,6 millions de dollars au service de 1 125 clients agricoles au Texas et en Louisiane.

• Taille moyenne des prêts agricoles: 190 500 $
• Pourcentage du portefeuille total des prêts dans le secteur agricole: 9,2%
• Concentration géographique: 85% dans les comtés ruraux du Texas

Fournisseurs de services professionnels

Segment client de service professionnel: 1 850 clients ayant des relations bancaires totales d'une valeur de 356,7 millions de dollars.

Catégorie professionnelle	Nombre de clients	Relations bancaires totales
Professionnels du droit	475	87,3 millions de dollars
Fournisseurs de soins de santé	625	142,6 millions de dollars
Cabinets de conseil	750	126,8 millions de dollars

Guaranty Bancshares, Inc. (GNTY) - Modèle d'entreprise: Structure des coûts

Dépenses de fonctionnement de la succursale

Au quatrième trimestre 2023, Guaranty Bancshares a exploité 34 emplacements bancaires à service complet. Les dépenses annuelles de l'opération de succursale étaient de 12,4 millions de dollars, notamment:

Catégorie de dépenses	Montant
Loyer et occupation	4,2 millions de dollars
Services publics	1,6 million de dollars
Entretien	1,8 million de dollars
Sécurité	0,9 million de dollars

Maintenance de technologie et d'infrastructure

Les coûts d'infrastructure technologique pour 2023 ont totalisé 7,3 millions de dollars, notamment:

• Maintenance du système bancaire de base: 2,5 millions de dollars
• Infrastructure de cybersécurité: 1,9 million de dollars
• Mises à niveau de la plate-forme bancaire numérique: 1,6 million de dollars
• Remplacements matériels et logiciels: 1,3 million de dollars

Salaires et avantages sociaux des employés

Les dépenses totales du personnel pour 2023 étaient de 45,6 millions de dollars:

Catégorie de compensation	Montant
Salaires de base	32,4 millions de dollars
Bonus de performance	5,2 millions de dollars
Prestations de santé et de retraite	8,0 millions de dollars

Coûts de conformité réglementaire

Les dépenses de conformité pour 2023 s'élevaient à 3,9 millions de dollars, notamment:

• Systèmes de rapports réglementaires: 1,4 million de dollars
• Salaires du personnel de conformité: 1,5 million de dollars
• Frais d'audit externe et de consultation: 1,0 million de dollars

Frais de marketing et d'acquisition des clients

Les dépenses de marketing pour 2023 étaient de 2,7 millions de dollars:

Canal de marketing	Dépenser
Publicité numérique	0,9 million de dollars
Médias traditionnels	0,6 million de dollars
Parrainages communautaires	0,4 million de dollars
Programmes d'acquisition de clients	0,8 million de dollars

Guaranty Bancshares, Inc. (GNTY) - Modèle d'entreprise: Strots de revenus

Revenu des intérêts des portefeuilles de prêts

Au quatrième trimestre 2023, Guaranty Bancshares a déclaré un revenu total d'intérêts de 132,8 millions de dollars. La répartition du portefeuille de prêts comprend:

Catégorie de prêt	Solde total	Revenu d'intérêt
Prêts commerciaux	1,2 milliard de dollars	58,4 millions de dollars
Prêts immobiliers	1,5 milliard de dollars	62,3 millions de dollars
Prêts à la consommation	380 millions de dollars	12,1 millions de dollars

Services bancaires basés sur les frais

Les revenus des frais pour 2023 ont totalisé 24,6 millions de dollars, avec la ventilation du service suivante:

• Frais de maintenance du compte: 7,2 millions de dollars
• Frais de découvert: 5,4 millions de dollars
• Frais de transaction ATM: 3,8 millions de dollars
• Frais de transfert de fil: 2,6 millions de dollars
• Autres frais de service: 5,6 millions de dollars

Frais d'investissement et de gestion de la patrimoine

Les services d'investissement ont généré 9,3 millions de dollars de frais en 2023, avec:

Catégorie de service	Total des frais
Gestion des actifs	5,7 millions de dollars
Planification financière	2,1 millions de dollars
Avis d'investissement	1,5 million de dollars

Frais de transaction

Les revenus liés aux transactions pour 2023 ont atteint 6,2 millions de dollars:

• Frais de transaction de carte de débit: 3,7 millions de dollars
• Frais de traitement des cartes de crédit: 1,8 million de dollars
• Frais de paiement électronique: 0,7 million de dollars

Revenus de produits hypothécaire et de prêt

Les revenus de produits hypothécaires et de prêt pour 2023 ont totalisé 15,4 millions de dollars:

Produit	Revenus totaux
Frais d'origine hypothécaire	8,6 millions de dollars
Frais de refinancement de prêt	4,2 millions de dollars
Frais de service de prêt	2,6 millions de dollars

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.