Guaranty Bancshares
Guaranty Bancshares operated a 33-branch Texas community bank founded in 1913, serving consumers, small businesses, and agricultural borrowers with deposits, lending, and treasury management. Acquired by Glacier Bancorp in October 2025, it now operates as a division of Glacier Bank.
- Company typePublic
- Founded1913
- HeadquartersMount Pleasant, United States
- Headcount501–1,000
- GTM typeB2B and B2C
- OfferingServices
What Guaranty Bancshares does
Guaranty Bancshares, Inc. operated as the publicly traded holding company for Guaranty Bank & Trust, N.A., a Texas community bank founded in 1913 and headquartered in Mount Pleasant, Texas. The bank served individual consumers, families, small to medium businesses, commercial borrowers, and agricultural operations through 33 branch locations across 26 Texas communities spanning East Texas, Dallas/Fort Worth, Houston, and Central Texas, with $3.1 billion in total assets, $2.1 billion in loans, and $2.7 billion in deposits as of December 31, 2024.
The product platform spans personal banking (checking, savings, money market, CDs, IRAs, HSAs, mortgages, auto, HELOC, and a Credit Builder loan program), business banking (free and tiered business checking, business savings, treasury management, SBA 7(a) and 504 loans, commercial real estate, construction, equipment, and agricultural lending), and digital banking delivered via online banking, native iOS/Android mobile apps with mobile check deposit, 24/7 telephone banking, Zelle P2P payments, and merchant services through a Deluxe partnership. Treasury Management provides ACH origination, wire transfers, remote deposit capture, lockbox, positive pay fraud tools, and sweep/CDARS/ICS funds management.
Revenue is generated primarily through net interest income on the loan portfolio and investment securities, supplemented by non-interest income from deposit service charges, loan origination fees, treasury management fees, and merchant services. On October 1, 2025, Glacier Bancorp completed its $476 million acquisition of Guaranty Bancshares, with Guaranty Bank & Trust now operating as a division of Glacier Bank following core system conversion completed April 23, 2026.
Guaranty Bancshares firmographics
Firmographics- Name
- Guaranty Bancshares
- Legal name
- Guaranty Bancshares, Inc.
- Website
- https://gnty.com
- Company type
- Public
- Founded year
- 1913
- Operating status
- Acquired
- Headcount range
- 501–1,000 employees
- Short description
- Guaranty Bancshares operated a 33-branch Texas community bank founded in 1913, serving consumers, small businesses, and agricultural borrowers with deposits, lending, and treasury management. Acquired by Glacier Bancorp in October 2025, it now operates as a division of Glacier Bank.
- Ownership category
- akta.pro rank
Guaranty Bancshares industry classification
Industry- NAICS
- Commercial Banking (522110), Depository Credit Intermediation (5221)
- SIC
- National Commercial Banks (6021), Personal Credit Institutions (6141)
- akta.pro primary industry
- Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)
- akta.pro secondary industries
- Small Business Banking (Microbusiness/Sole Proprietor) (FSABAAAI), Credit Cards & Revolving Credit (FSABAAAC), Agricultural & Rural Development Banks (FSABAKAE)
Keywords
Where Guaranty Bancshares is headquartered
LocationHeadquarters
- HQ city
- Mount Pleasant
- HQ country
- United States
- HQ region
- North America
Offices33 records
Markets served
Guaranty Bancshares business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Marketing or Sales, Technology or R&D
Revenue model
- Net Interest Income: Primary revenue stream from interest earned on loans (commercial, residential, consumer, agricultural) minus interest paid on deposits. Bank earns interest margins on its loan portfolio and investment securities.
- Non-Interest Income: Fees from deposit accounts (service charges), loan origination fees, merchant services revenue, treasury management fees, wire transfer fees, and other banking service charges.
- Treasury Management Services: Commercial banking services including ACH origination, wire transfers, remote deposit capture, lockbox services, and fraud prevention tools for business customers.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Totally Free Checking - No minimum balance, no monthly service charge, unlimited check writing |
| Subscription | Monthly | Easy Interest Checking - Interest-bearing checking with free access |
| Subscription | Monthly | 50+ Interest Checking - Free checking for customers 50 and older with interest |
| Subscription | Monthly | Premier Interest Checking - Higher interest rate with $1,500 minimum balance |
| Unit Pricing | Pay-as-you-go | Credit Builder Loan - Short-term loan for credit establishment or repair |
| Subscription | Monthly | Personal Savings - Basic savings account with competitive interest |
| Subscription | Monthly | Money Market Account - Higher yield on larger balances |
| One time/ perpetual license | Pay-as-you-go | Certificates of Deposit - Fixed-rate term deposits |
Go-to-market motion1 record
Distribution channels5 records
Marketing channels6 records
Guaranty Bancshares product offering
Product offeringCore offering
Guaranty Bank & Trust, a Texas community bank established in 1913 and now a division of Glacier Bank, provides consumer and commercial banking products including checking accounts, savings accounts, CDs, IRAs, mortgages, personal loans, business loans, SBA loans, agricultural lending, and treasury management services. It operates 33 branch locations across 26 Texas communities complemented by online, mobile, and telephone banking channels.
Product overview
Guaranty Bank & Trust operates as a community banking platform offering a comprehensive suite of personal and business banking products organized across three primary channels: consumer banking (checking, savings, CDs, IRAs, HSAs, and consumer lending including mortgages), business banking (business checking, savings, money market accounts, and commercial lending including SBA loans), and digital banking (online banking, mobile banking, telephone banking, and Treasury Management services). The platform is built around its Totally Free Checking product line for both personal and business segments, supplemented by interest-bearing checking and savings products. Digital services include Bill Pay, eStatements, Zelle® peer-to-peer payments, and merchant payment processing through a Deluxe partnership. The Treasury Management platform provides comprehensive cash management including ACH origination, fraud prevention tools (Check Positive Pay, ACH Positive Pay), and funds management solutions (sweep accounts, CDARS, ICS). Educational resources are offered through the Financial Foundations program in partnership with Everfi. The bank operates 33 locations across 26 Texas communities as a division of Glacier Bank.
Differentiator
Problem solved
Functional benefit
Quantifiable outcome
- 5-Star rating from Bauer Financial, the nation's leading independent bank rating firm, recognizing continual superior performance and financial strength
- +2 more outcomes
Companies that use Guaranty Bancshares
Customer profileSegments4 records
Ideal customer profiles1 record
Guaranty Bancshares technology and API
TechnologyAPI detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration8 records
Feature3 records
Guaranty Bancshares partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered minor and core.
- Texas Southern University - Jesse H. Jones School of BusinessminorGuaranty Bank & Trust made a transformative gift to Texas Southern University's Future Bankers Leadership Program, supporting workforce development and economic growth in Houston and beyond through mentorship and career-building opportunities.
- Federal Home Loan Bank of DallasminorFHLB Dallas partners with Guaranty Bank & Trust on matching grant programs. In 2025, the partnership awarded over $65,000 in combined grants to four local nonprofits including Hope Ministries, Heartisans Marketplace, Cornerstone Restoration, and Mission Marshall.
- DeluxecoreDeluxe provides merchant payment processing services including point-of-sale systems, virtual terminals, mobile payments, and eCommerce solutions for Guaranty Bank & Trust business customers.
- FDIC Money Smart AllianceminorGuaranty Bank & Trust is a member in strong standing with the FDIC Money Smart Alliance, utilizing the instructor-led program to work with community organizations helping individuals develop money management skills.
- EverfiminorEverfi provides self-paced, computer-based financial education programs for students, adults, and small business entrepreneurs. Guaranty offers Financial Foundations courses at no cost through this partnership.
- Youth Banking NetworkminorGuaranty Bank & Trust is an active member of the FDIC Youth Banking Network, supporting financial literacy education for young people.
Scale indicators9 records
Recent moves6 records
Expansion highlights6 records
Guaranty Bancshares competitors and assessment
Company assessmentDirect peers
- VeraBank: Texas community bank headquartered in Henderson, with overlapping East Texas footprint, agricultural lending focus, and small-to-medium business banking services.
- Independent Bank Group: Texas-based community bank holding company headquartered in McKinney, TX, with comparable footprint and small-to-mid commercial banking focus, including comparable SBA and CRE lending products to Guaranty.
- Texas Capital Bancshares: Texas-based commercial bank with significant presence in Dallas, Houston, and Austin, competing with Guaranty for middle-market commercial and treasury management relationships.
- Prosperity Bancshares: Large Texas-headquartered community bank with deep branch network across the state, offering virtually identical consumer, commercial, and small-business banking products to Guaranty's mix.
- Cadence Bank: Super-regional bank with Texas operations offering commercial banking, treasury management, and consumer products comparable to Guaranty's full suite.
- Austin Bank: East Texas community bank with comparable footprint to Guaranty's East Texas roots, offering consumer, commercial, and agricultural lending products.
- First Financial Bankshares: Texas community bank holding company headquartered in Abilene with comparable multi-region Texas branch network and emphasis on small business and agricultural lending.
- Cullen/Frost Bankers: Texas super-regional bank with major presence in Austin, Houston, Dallas, and San Antonio, directly overlapping Guaranty's geographic and commercial banking footprint.
- Community Bank of Texas (CBTX): Texas community bank operating in Southeast Texas with comparable deposit, SBA, and commercial real estate lending products serving small-to-mid businesses.
Broad incumbents
- JPMorgan Chase (Texas retail/commercial): National banking incumbent with massive presence across Guaranty's key Texas metros, competing across consumer, small business, mortgage, and treasury management segments with deeper digital and capital resources.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Guaranty Bancshares social profiles
Digital presenceGuaranty Bancshares compliance and trust
Trust signalCompliance2 records
Guaranty Bancshares financial estimates
Financial estimateRevenue estimate
Valuation estimate
Guaranty Bancshares leadership team
Management profileNumber of profiles
Guaranty Bancshares funding detail
Funding detailFunding overview
Funding rounds2 records
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Guaranty Bancshares M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Guaranty Bancshares
What does Guaranty Bancshares do?
Guaranty Bank & Trust, a Texas community bank established in 1913 and now a division of Glacier Bank, provides consumer and commercial banking products including checking accounts, savings accounts, CDs, IRAs, mortgages, personal loans, business loans, SBA loans, agricultural lending, and treasury management services. It operates 33 branch locations across 26 Texas communities complemented by online, mobile, and telephone banking channels.
Is Guaranty Bancshares a public or private company?
Guaranty Bancshares is a public company. It is currently acquired.
When was Guaranty Bancshares founded?
Guaranty Bancshares was founded in 1913. It employs 501 to 1,000 people.
Where is Guaranty Bancshares based?
Guaranty Bancshares is headquartered in Mount Pleasant, United States, in the North America region.
How does Guaranty Bancshares make money?
Three revenue lines are on record. Net Interest Income is the primary driver. The others are non-Interest Income and treasury Management Services.
Who are Guaranty Bancshares's main competitors?
Direct peers on record are VeraBank, Independent Bank Group, Texas Capital Bancshares, Prosperity Bancshares, Cadence Bank, Austin Bank, First Financial Bankshares, Cullen/Frost Bankers and Community Bank of Texas (CBTX). JPMorgan Chase (Texas retail/commercial) is listed as a broad incumbent.
Does Guaranty Bancshares have an API?
No public API is recorded for Guaranty Bancshares.
What industry is Guaranty Bancshares in?
Its primary akta.pro industry code is FSABAAAA, Mass-Market Consumer Deposit Banking (Checking/Savings), with a secondary code of FSABAAAI, Small Business Banking (Microbusiness/Sole Proprietor). Its NAICS code is 522110 and its SIC code is 6021.