Guaranty Bancshares

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.

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

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

• Community banking
• Commercial lending
• Mortgage loans
• Treasury management
• Consumer deposits

Headquarters

HQ city

Mount Pleasant

HQ country

United States

HQ region

North America

Offices33 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Marketing or Sales, Technology or R&D

Revenue model

1. 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.
2. 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.
3. 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

Go-to-market motion1 record

Distribution channels5 records

Marketing channels6 records

Core 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

Segments4 records

Ideal customer profiles1 record

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

Feature3 records

Partnerships

Six partnerships are on record, tiered minor and core.

• Texas Southern University - Jesse H. Jones School of BusinessminorStrategic or Co-development Partner · 24 March 2025Guaranty 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 DallasminorStrategic or Co-development Partner · 3 January 2025FHLB 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.
• DeluxecoreTechnology or IntegrationDeluxe 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 AllianceminorStrategic or Co-development PartnerGuaranty 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.
• EverfiminorStrategic or Co-development PartnerEverfi 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 NetworkminorStrategic or Co-development PartnerGuaranty 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

Direct 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

• Xx.com/gntybank
• YouTubeyoutube.com/user/guarantybanktrust
• Facebookfacebook.com/gntybank
• LinkedInlinkedin.com/company/gnty-bank
• Instagraminstagram.com/gntybank

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds2 records

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Guaranty Bancshares