Guaranty Bank & Trust, N.A.

Headquarters

100 West Arkansas Street
Mount Pleasant, TX 75455
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.15% 0.95% →
1-Year CD 0.65% 1.01% →
2-Year CD 0.50% 0.95% →
5-Year CD 0.65% 2.25% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

Guaranty Bank & Trust, N.A. is an FDIC insured institution located in Mount Pleasant, TX. It was founded in 1913 and has approximately $2.39 billion in assets. Customers can open an account at one of its 32 branches.

FDIC Insured Yes
FDIC Certificate # 1208
Date Established 1913
Assets $ 2.39 billion
Loans $ 1,700.89 million
Deposits $ 2.00 billion
Capital $ 283.85 million
 

For a more detailed analysis of Guaranty Bank & Trust, N.A.'s financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - October 29, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Savings
0.15% $2,500 $4,999 Learn More
Money Market
0.10% $2,500 $2,999 Learn More
Money Market
0.10% $10,000 $14,999 Learn More
Money Market
0.15% $25,000 $29,999 Learn More
CD Rates APY MIN MAX
3 Mo CD
0.20% $10,000 $14,999 Learn More
3 Mo CD
0.20% $100,000 $199,999 Learn More
6 Mo CD
0.30% $10,000 $14,999 Learn More
6 Mo CD
0.30% $100,000 $199,999 Learn More
Special: 12 Mo CD
0.65% $1,000 $250,000 Learn More
12 Mo CD
0.45% $10,000 $14,999 Learn More
12 Mo CD
0.45% $100,000 $199,999 Learn More
18 Mo CD
0.50% $10,000 $14,999 Learn More
18 Mo CD
0.50% $100,000 $199,999 Learn More
24 Mo CD
0.50% $10,000 $14,999 Learn More
24 Mo CD
0.50% $100,000 $199,999 Learn More
30 Mo CD
0.50% $10,000 $14,999 Learn More
30 Mo CD
0.50% $100,000 $199,999 Learn More
36 Mo CD
0.50% $10,000 $14,999 Learn More
36 Mo CD
0.50% $100,000 $199,999 Learn More
48 Mo CD
0.55% $10,000 $14,999 Learn More
48 Mo CD
0.55% $100,000 $199,999 Learn More
60 Mo CD
0.65% $10,000 $14,999 Learn More
60 Mo CD
0.65% $100,000 $199,999 Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.10% $2,500 $3,499 Learn MoreShow Less

Loan Rates - October 29, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Guaranty Bank & Trust, N.A.

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Rocket Mortgage
NMLS ID: 3030
3.746% 3.625% 1.00 $3,750 $1,141 Learn More
1Rate, Inc
NMLS ID: 1948084
License#: MC-7051
2.444% 2.375% 0.88 $2,304 $972 Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
2.664% 2.625% 0.50 $1,285 $1,005 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.240 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
2.990 %
After Intro: 3.500 %
Intro Period: 12 months
$25,000 Learn More
More Info

Note to Guaranty Bank & Trust, N.A.
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Guaranty Bank & Trust, N.A. branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Guaranty Bank & Trust, N.A. Locations


Financial Details

Guaranty Bank & Trust, N.A. Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Guaranty Bank & Trust, N.A.. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Guaranty Bank & Trust, N.A. U.S. Bank Average
5.55% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2020, Guaranty Bank & Trust, N.A. had $16,382,000 in non-current loans and $605,000 in owned real estate. To cover these potential losses it had $283,851,000 in equity and $21,948,000 in loans loss reserves. That gives it a Texas Ratio of 5.55%.

Return on Equity
Guaranty Bank & Trust, N.A. U.S. Bank Average
9.96% 7.80%

Guaranty Bank & Trust, N.A. has a Return on Equity of 9.96% versus the BestCashCow average of 7.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Guaranty Bank & Trust, N.A. U.S. Bank Average
11.87% 12.68%

Guaranty Bank & Trust, N.A. has a Capitalization of 11.87% versus the BestCashCow average of 12.68. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Guaranty Bank & Trust, N.A. Balance Sheet Analysis

As of March 31, 2020, Guaranty Bank & Trust, N.A. had assets of $2,391,235,000, loans of $1,700,885,000, and deposits of $2,004,710,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2020
ASSETS
Cash & Balances due from depository institutions $ 65.68 million
Interest-bearing balances $ 25.32 million
Total securities $ 377.06 million
Federal funds sold and reverse repurchase $ 81.25 million
Net loans and leases $ 1,700.89 million
Loan loss allowance $ 21.95 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.61 million
Goodwill and other intangibles $ 36.56 million
All other assets $ 63.47 million
     Total Assets $ 2.11 billion
LIABILITIES
Total deposits $ 2.00 billion
      Interest-bearing deposits $ 1,471.61 million
      Deposits held in domestic offices $ 2.00 billion
      % insured (estimated) 61.29%
Federal funds purchased and repurchase agreements $ 11.84 million
Trading liabilities N.A.
Other borrowed funds $ 70.61 million
Subordinated debt N.A.
All other liabilities $ 20.22 million
      Total Liabilities $ 2.11 billion
      Shareholders’ Equity $ 283.85 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 25.25 million
Total Interest Expense $ 4.51 million
Net interest income $ 20.74 million
Provision for loan and lease losses $ 1.40 million
Total non interest income $ 4.96 million
Total non interest expense $ 15.98 million
Pre-tax Net Operating Income $ 8.32 million

Bank Loan Profile?

The top three loan types in Guaranty Bank & Trust, N.A.’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Construction and Development Loans.

Compared to other banks in Texas, Guaranty Bank & Trust, N.A. has a significantly higher percent of Small Business Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 23.86
Multifamily
Mortgages
1.20
Credit Card Loans 0.00
Consumer Auto Loans 0.81
Small Business Loans 8.41
Construction and Development Loans 15.49
Commercial Real Estate 34.34
Commercial and Industrial Loans 12.40
Farm Loans 1.14

Frequently Asked Questions About Guaranty Bank & Trust, N.a.

Branches and Savings

Is Guaranty Bank & Trust, N.a. FDIC insured?

Yes. It is covered under FDIC Certificate #1208.

Why does Guaranty Bank & Trust, N.a. pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Guaranty Bank & Trust, N.a. CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Guaranty Bank & Trust, N.a. a commercial bank?

Yes

Where are Guaranty Bank & Trust, N.a. locations?

See branch locations nearby.

Is Guaranty Bank & Trust, N.a. open on Saturdays?

Is Guaranty Bank & Trust, N.a. open on Sundays?

What time does Guaranty Bank & Trust, N.a. open?

What time does Guaranty Bank & Trust, N.a. close?

Are Guaranty Bank & Trust, N.a. ATMs Open 24/7?

Do Guaranty Bank & Trust, N.a. ATMs accept cash deposits?

Can Guaranty Bank & Trust, N.a. customers use other ATMs?

Do Guaranty Bank & Trust, N.a. branches have notaries?

Will Guaranty Bank & Trust, N.a. notarize my document?

What address for Guaranty Bank & Trust, N.a. should I put for incoming ACH transfers?

Will the Guaranty Bank & Trust, N.a. branch print checks?

Do Guaranty Bank & Trust, N.a. checks expire?

Does Guaranty Bank & Trust, N.a. require US citizenship to open account?

Can Guaranty Bank & Trust, N.a. close my account?

Does Guaranty Bank & Trust, N.a. Report to credit bureaus?

Does Guaranty Bank & Trust, N.a. Use Equifax?

What is Guaranty Bank & Trust, N.a.'s ACH Routing Number?

What is Guaranty Bank & Trust, N.a.'s SWIFT code?

Products

Does Guaranty Bank & Trust, N.a. offer mortgages?

Compare mortgage rates here.

Does Guaranty Bank & Trust, N.a. offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Guaranty Bank & Trust, N.a. offer personal loans?

Compare personal loan rates here.

Does Guaranty Bank & Trust, N.a. offer student loans?

Will Guaranty Bank & Trust, N.a. cash a check?

Will Guaranty Bank & Trust, N.a. redeem a savings bond?

Does Guaranty Bank & Trust, N.a. cash savings bonds?

Will Guaranty Bank & Trust, N.a. cash money orders?

Can Guaranty Bank & Trust, N.a. issue a money order?

Does Guaranty Bank & Trust, N.a. do currency exchange?

Background on The Bank

Who owns Guaranty Bank & Trust, N.a.?

How long has Guaranty Bank & Trust, N.a. been around?

Can Guaranty Bank & Trust, N.a. transfer to other banks?

Does Guaranty Bank & Trust, N.a. have quick pay?

Does Guaranty Bank & Trust, N.a. accept rolled coins?

Will Guaranty Bank & Trust, N.a. accept loose change?

Where is Guaranty Bank & Trust, N.a. headquarters?

Customer Reviews for Guaranty Bank & Trust, N.A.

There are currently no comments for Guaranty Bank & Trust, N.A.. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →