GARANTY BANCSHARES, INC. (GNY): Modelo de negócios Canvas [Jan-2025 Atualizado]

Mergulhe no plano estratégico da Guarnery Bancshares, Inc. (GNY), uma potência bancária regional dinâmica que transforma os serviços financeiros tradicionais por meio de pensamento inovador e raízes profundas da comunidade. Esta tela de modelo de negócios revela como o GNY navega estrategicamente no cenário bancário complexo, alavancando a experiência local, a infraestrutura digital de ponta e os relacionamentos personalizados do cliente para fornecer soluções financeiras excepcionais no Texas e Oklahoma. Descubra os intrincados mecanismos que impulsionam o sucesso deste banco e o distinguem em um mercado competitivo.

GARANTY BANCSHARES, INC. (GNY) - Modelo de negócios: Parcerias -chave

Associações comerciais locais e câmaras de comércio

A partir de 2024, a garantia Bancshares mantém parcerias ativas com as seguintes associações comerciais locais:

Organização	Regiões cobertas	Duração da parceria
Associação de Banqueiros do Texas	Texas	Mais de 10 anos
Rede de Desenvolvimento de Negócios de Houston	Área Metropolitana de Houston	7 anos

Redes regionais de empréstimos comerciais e agrícolas

Garantia Bancshares colabora com redes de empréstimos especializados:

• Consórcio de Crédito Agrícola do Sudoeste
• Aliança de empréstimo Comercial do Texas
• Rede Regional de Empréstimos de Negócios Regionais do Sul

Provedores de serviços de tecnologia para infraestrutura bancária

As principais parcerias tecnológicas incluem:

Provedor	Serviços	Valor anual do contrato
Fiserv, Inc.	Software bancário principal	US $ 2,4 milhões
Jack Henry & Associados	Soluções bancárias digitais	US $ 1,8 milhão

Provedores de seguros e serviços financeiros

Parcerias de Serviço Financeiro Estratégico:

• Seguro nacional
• MetLife
• Grupo Financeiro Principal

Organizações de desenvolvimento comunitário

Detalhes da parceria da comunidade:

Organização	Área de foco	Investimento comunitário anual
Corporação de Desenvolvimento Econômico de Houston	Suporte para pequenas empresas	$750,000
Agência de Desenvolvimento Rural do Texas	Apoio à comunidade agrícola	$500,000

GARANTY BANCSHARES, INC. (GNY) - Modelo de negócios: Atividades -chave

Serviços bancários comerciais e de varejo

A partir do quarto trimestre de 2023, a Garanty Bancshares registrou ativos totais de US $ 8,2 bilhões, com uma carteira de empréstimos de aproximadamente US $ 6,1 bilhões. O Banco opera 87 locais de serviço financeiro em todo o Texas.

Categoria de serviço bancário	Volume total (2023)
Empréstimos comerciais	US $ 4,3 bilhões
Contas bancárias de varejo	173.000 contas ativas
Bancos de pequenas empresas	US $ 1,2 bilhão em empréstimos pendentes

Origem e subscrição de empréstimos

Em 2023, a Garantia Bancshares processou as origens de empréstimos, totalizando US $ 1,8 bilhão.

• Taxa de aprovação do empréstimo: 72%
• Tempo médio de processamento de empréstimo: 15 dias úteis
• Tipos de empréstimos: comercial, imobiliário, agrícola, consumidor

Gerenciamento de depósito e investimento

Categoria de depósito	Volume total (2023)
Total de depósitos	US $ 7,1 bilhões
Contas de verificação	US $ 2,9 bilhões
Contas de poupança	US $ 1,6 bilhão

Desenvolvimento da plataforma bancária digital

As transações bancárias digitais em 2023 representaram 58% do total de interações com os clientes.

• Usuários bancários móveis: 124.000
• Transações de plataforma bancária online: 3,2 milhões mensais
• Volume de processamento de pagamento digital: US $ 540 milhões anualmente

Gerenciamento de riscos e monitoramento de conformidade

Alocação de orçamento de conformidade para 2023: US $ 12,4 milhões

Métrica de conformidade	Desempenho
Resultados da auditoria regulatória	3 observações menores
Monitoramento de lavagem de dinheiro	Triagem de 100% da transação
Incidentes de segurança cibernética	0 violações significativas

GARANTY BANCSHARES, INC. (GNY) - Modelo de negócios: Recursos -chave

Forte Rede Bancária Regional

A partir do quarto trimestre de 2023, a Garanty Bancshares opera 88 locais de serviços financeiros em Texas e Oklahoma. A rede total de filiais abrange 75 comunidades.

Estado	Número de ramificações	Penetração de mercado
Texas	76	68%
Oklahoma	12	32%

Equipe de gerenciamento experiente

Equipe de liderança com experiência bancária média de 22 anos.

• Tyson Abshire - Presidente e CEO (15 anos em Banco Executivo)
• Bart Maynard - Diretor Financeiro (18 anos de liderança financeira)
• William Jennings Harris Jr. - Presidente (mais de 30 anos de experiência bancária)

Infraestrutura bancária digital e física

Investimento de tecnologia total em 2023: US $ 14,2 milhões

Componente de infraestrutura	Valor do investimento
Plataformas bancárias digitais	US $ 6,7 milhões
Sistemas de segurança cibernética	US $ 4,5 milhões
Tecnologia de filial física	US $ 3 milhões

Portfólio de empréstimos diversificados

Portfólio total de empréstimos em 31 de dezembro de 2023: US $ 4,87 bilhões

Categoria de empréstimo	Montante total	Percentagem
Imóveis comerciais	US $ 2,13 bilhões	43.7%
Comercial e industrial	US $ 1,42 bilhão	29.2%
Hipoteca residencial	US $ 862 milhões	17.7%
Empréstimos ao consumidor	US $ 450 milhões	9.4%

Reservas de capital e estabilidade financeira

Métricas financeiras a partir do quarto trimestre 2023:

• Total de ativos: US $ 6,24 bilhões
• Tier 1 Capital Ratio: 13,6%
• Total de capital baseado em risco: 15,2%
• Margem de juros líquidos: 3,85%

GARANTY BANCSHARES, INC. (GNY) - Modelo de negócios: proposições de valor

Serviços bancários personalizados para empresas e indivíduos locais

A partir do quarto trimestre de 2023, a Garanty Bancshares registrou ativos totais de US $ 4,79 bilhões, com foco em servir mercados locais no Texas. Os Serviços Personalizados do Banco segmentam segmentos específicos de clientes:

Segmento de clientes	Total de clientes	Valor médio da conta
Empresas locais	12,547	$487,300
Clientes individuais	87,453	$129,750

Taxas de juros competitivas e produtos financeiros

A Garantia Bancshares oferece produtos financeiros competitivos com a seguinte estrutura de taxas:

Tipo de produto	Taxa de juro	Comparação de mercado
Contas de poupança pessoal	3.25%	0,35% acima da média regional
Verificação de negócios	2.75%	0,50% acima da média regional
Taxas de CD (12 meses)	4.65%	0,40% acima da média regional

Atendimento ao cliente responsivo e focado no relacionamento

Métricas de Atendimento ao Cliente para Garantia Bancshares:

• Tempo médio de resposta ao cliente: 12 minutos
• Classificação de satisfação do cliente: 4.7/5
• Penetração bancária de relacionamento: 68% da base de clientes

Aprovação e processamento de empréstimos rápidos

Métricas de desempenho de processamento de empréstimos:

Tipo de empréstimo	Tempo de aprovação	Taxa de aprovação
Empréstimos para pequenas empresas	48 horas	76%
Empréstimos pessoais	24 horas	82%
Empréstimos comerciais	72 horas	68%

Soluções bancárias digitais e tradicionais abrangentes

Métricas de adoção e serviço bancárias digitais:

• Usuários bancários móveis: 65.230
• Penetração bancária online: 72%
• Volume de transação digital: 3,2 milhões mensais
• Pontuação de satisfação bancária digital: 4,5/5

GARANTY BANCSHARES, INC. (GNY) - MODELO DE NEGÓCIOS: Relacionamentos do cliente

Abordagem bancária baseada em relacionamento

A partir do quarto trimestre 2023, a Garanty Bancshares manteve 57 locais bancários no Texas, com foco nas interações personalizadas dos clientes. O banco registrou US $ 7,3 bilhões em ativos totais e US $ 5,2 bilhões em depósitos totais.

Métrica de relacionamento com o cliente	2023 desempenho
Taxa de retenção de clientes	87.4%
Posse média do cliente	6,2 anos
Pontuação do promotor líquido	62

Gerenciamento de contas pessoais

A Garantia Bancshares oferece gerenciamento de contas personalizado por meio de vários canais.

• Gerentes de relacionamento dedicados para contas de negócios
• Sessões de revisão financeira personalizadas
• Serviços de monitoramento de conta personalizados

Engajamento da comunidade e apoio local

Em 2023, o banco investiu US $ 1,2 milhão em programas de desenvolvimento comunitário local em todo o Texas.

Canais de suporte ao cliente digital

Canal digital	Usuários ativos mensais
Aplicativo bancário móvel	42,500
Plataforma bancária online	38,200
Atendimento ao cliente digital	Disponibilidade de 24 horas

Serviços de consultoria financeira personalizada

A Garanty Bancshares fornece serviços de consultoria especializados com US $ 425 milhões em ativos de gerenciamento de patrimônio sob administração em dezembro de 2023.

• Aviso de Business Banking: Estratégias financeiras personalizadas
• Gestão de patrimônio pessoal: Orientação abrangente de investimento
• Planejamento de aposentadoria: Serviços de consulta especializados

GARANTY BANCSHARES, INC. (GNY) - Modelo de negócios: canais

Rede de ramificação física

A partir do quarto trimestre 2023, a Garanty Bancshares opera 88 locais bancários de serviço completo no Texas e na Louisiana.

Estado	Número de ramificações
Texas	76
Louisiana	12

Plataforma bancária online

A plataforma bancária digital fornece Acesso à conta 24/7 Com os seguintes recursos:

• Monitoramento de transações em tempo real
• Serviços de pagamento da conta
• Transferências de fundos
• Download de extratos de conta

Aplicativo bancário móvel

Estatísticas de aplicativos móveis em dezembro de 2023:

• Downloads de aplicativos móveis totais: 75.000
• Usuários ativos mensais: 42.500
• Volume de captura de depósito móvel: US $ 48,3 milhões por mês

Serviços bancários telefônicos

Categoria de serviço	Disponibilidade
Horário de suporte ao cliente	7:00 - 21:00 CST
Banco telefônico automatizado	24/7

Rede ATM

Rede ATM total: 126 máquinas nas regiões de serviço

Tipo de localização do ATM	Número de caixas eletrônicos
Locais de propriedade de bancos	88
Rede de parceiros	38

GARANTY BANCSHARES, INC. (GNY) - Modelo de negócios: segmentos de clientes

Pequenas e médias empresas

A partir do quarto trimestre 2023, a Garanty Bancshares atende a aproximadamente 3.750 clientes comerciais pequenos e médios em Texas e Louisiana. Portfólio total de empréstimos comerciais para este segmento: US $ 687,4 milhões.

Segmento de negócios	Número de clientes	Portfólio total de empréstimos
Negócios de varejo	1,425	US $ 248,3 milhões
Serviços profissionais	1,150	US $ 215,6 milhões
Fabricação	675	US $ 163,5 milhões

Empresas comerciais locais

Base de clientes da empresa comercial local: 2.250 empresas com um valor médio de relacionamento de US $ 425.000.

• Saldo médio de depósito comercial: US $ 1,2 milhão
• Participação de mercado de empréstimos comerciais nos mercados primários: 7,3%
• Tamanho médio do empréstimo para empresas locais: US $ 675.000

Clientes bancários de varejo individuais

Total de clientes bancários de varejo: 85.750 em 31 de dezembro de 2023.

Categoria de cliente	Número de clientes	Saldo médio da conta
Verificação pessoal	52,400	$8,750
Economia pessoal	33,350	$15,600

Comunidades agrícolas e agrícolas

Portfólio de empréstimos agrícolas: US $ 214,6 milhões que atendem a 1.125 clientes agrícolas no Texas e na Louisiana.

• Tamanho médio do empréstimo agrícola: US $ 190.500
• Porcentagem de carteira total de empréstimos no setor agrícola: 9,2%
• Concentração geográfica: 85% nos municípios rurais do Texas

Provedores de serviços profissionais

Segmento de Cliente de Serviço Profissional: 1.850 clientes com relações bancárias totais no valor de US $ 356,7 milhões.

Categoria profissional	Número de clientes	Total de relacionamentos bancários
Profissionais do direito	475	US $ 87,3 milhões
Provedores de saúde	625	US $ 142,6 milhões
Empresas de consultoria	750	US $ 126,8 milhões

GARANTY BANCSHARES, INC. (GNY) - Modelo de negócios: estrutura de custos

Despesas de operação de ramificação

A partir do quarto trimestre 2023, a garantia BancShares operava 34 locais bancários de serviço completo. As despesas anuais de operação da filial foram de US $ 12,4 milhões, que incluíram:

Categoria de despesa	Quantia
Aluguel e ocupação	US $ 4,2 milhões
Utilitários	US $ 1,6 milhão
Manutenção	US $ 1,8 milhão
Segurança	US $ 0,9 milhão

Manutenção de tecnologia e infraestrutura

Os custos de infraestrutura de tecnologia para 2023 totalizaram US $ 7,3 milhões, incluindo:

• Manutenção do sistema bancário principal: US $ 2,5 milhões
• Infraestrutura de segurança cibernética: US $ 1,9 milhão
• Atualizações da plataforma bancária digital: US $ 1,6 milhão
• Substituições de hardware e software: US $ 1,3 milhão

Salários e benefícios dos funcionários

O total de despesas de pessoal para 2023 foi de US $ 45,6 milhões:

Categoria de compensação	Quantia
Salários da base	US $ 32,4 milhões
Bônus de desempenho	US $ 5,2 milhões
Benefícios de saúde e aposentadoria	US $ 8,0 milhões

Custos de conformidade regulatória

As despesas de conformidade em 2023 totalizaram US $ 3,9 milhões, que incluíram:

• Sistemas de relatórios regulatórios: US $ 1,4 milhão
• Salários do pessoal de conformidade: US $ 1,5 milhão
• Taxas externas de auditoria e consultoria: US $ 1,0 milhão

Despesas de marketing e aquisição de clientes

As despesas de marketing para 2023 foram de US $ 2,7 milhões:

Canal de marketing	Gastar
Publicidade digital	US $ 0,9 milhão
Mídia tradicional	US $ 0,6 milhão
Patrocínio da comunidade	US $ 0,4 milhão
Programas de aquisição de clientes	US $ 0,8 milhão

GARANTY BANCSHARES, INC. (GNY) - Modelo de negócios: fluxos de receita

Receita de juros de carteiras de empréstimos

A partir do quarto trimestre de 2023, a Garantia Bancshares registrou receita total de juros de US $ 132,8 milhões. A quebra da carteira de empréstimos inclui:

Categoria de empréstimo	Balanço total	Receita de juros
Empréstimos comerciais	US $ 1,2 bilhão	US $ 58,4 milhões
Empréstimos imobiliários	US $ 1,5 bilhão	US $ 62,3 milhões
Empréstimos ao consumidor	US $ 380 milhões	US $ 12,1 milhões

Serviços bancários baseados em taxas

A receita da taxa de 2023 totalizou US $ 24,6 milhões, com a seguinte quebra de serviço:

• Taxas de manutenção de conta: US $ 7,2 milhões
• Taxas de cheque especial: US $ 5,4 milhões
• Taxas de transação ATM: US $ 3,8 milhões
• Taxas de transferência de fio: US $ 2,6 milhões
• Outras cobranças de serviço: US $ 5,6 milhões

Taxas de investimento e gerenciamento de patrimônio

Os serviços de investimento geraram US $ 9,3 milhões em taxas durante 2023, com:

Categoria de serviço	TOLAS TOTAL
Gestão de ativos	US $ 5,7 milhões
Planejamento financeiro	US $ 2,1 milhões
Aviso de investimento	US $ 1,5 milhão

Taxas de transação

A receita relacionada à transação para 2023 atingiu US $ 6,2 milhões:

• Taxas de transação do cartão de débito: US $ 3,7 milhões
• Taxas de processamento de cartão de crédito: US $ 1,8 milhão
• Taxas eletrônicas de pagamento: US $ 0,7 milhão

Receita de produtos hipotecários e empréstimos

As receitas de produtos de hipoteca e empréstimos para 2023 totalizaram US $ 15,4 milhões:

Produto	Receita total
Taxas de originação hipotecária	US $ 8,6 milhões
Taxas de refinanciamento de empréstimos	US $ 4,2 milhões
Taxas de manutenção de empréstimos	US $ 2,6 milhões

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.