Guaranty Bank & Trust Company

What Guaranty Bank & Trust Company does

Guaranty Bank & Trust Company is a community-focused commercial bank founded in 1943 and headquartered in Mississippi, offering a full-service suite across personal banking, business banking, mortgage origination, and wealth management. Core deposit products include tiered personal checking (Freedom, Secure, Ultimate, SAM Student, Connect), savings vehicles (Guaranty Savings, Personal Money Market, Guaranty Prime Investment, HSA), and business accounts (Guaranty Edge, Commercial Analysis, Civic, Business Checking with Interest). Lending products span personal loans (auto, HELOC, installment, recreational, boat, construction), commercial loans (lines of credit, equipment financing, agricultural, real estate, SBA up to $5M, 1031 exchanges), and residential mortgages offered in all 50 states and U.S. territories through a distributed loan officer channel. Digital banking is delivered via the myGBT mobile app, online banking portal, Composable Dashboard, and 13 Interactive Teller Machine (ITM) locations across Mississippi and Memphis, Tennessee, with live video teller service extended to weekday evenings and Saturday mornings.

The bank operates a traditional community banking model with horizontal segmentation across individuals, small-to-medium businesses, homebuyers, and community members, augmented by a CDFI-certified community development mission. Revenue is generated through net interest income on loans and securities, deposit account fees, mortgage origination and servicing fees, commercial banking services, Visa interchange (including 1.0% Classic and 1.25% Premier business cashback), and referral-based wealth management income through the Raymond James Financial Services partnership via subsidiary Guaranty Financial Services. The bank's technology stack is built on standard third-party fintech integrations (Zelle, SecurLOCK Equip card controls, QuickBooks, Quicken, Autobooks, Homebase, Hurdlr, Experian IDnotify) surfaced through a "My Toolkit" marketplace, with no disclosed proprietary AI or machine learning capabilities.

In April 2026, Guaranty Bank was acquired by Glacier Bancorp as part of the acquirer's largest-ever acquisition spree, combining into a 285-office, nine-state, $32 billion-asset regional banking organization. The acquisition terminates Guaranty Bank's standalone trajectory and integrates the franchise into Glacier Bancorp's broader community banking portfolio.

Name

Guaranty Bank & Trust Company

Legal name

Guaranty Bank & Trust Company

Website

https://gbtonline.com

Company type

Private

Founded year

1943

Operating status

Acquired

Headcount range

101–250 employees

Short description

Guaranty Bank & Trust Company is a Mississippi-based community bank founded in 1943 that provides personal banking, business lending, mortgages, and wealth management to individuals and small businesses across Mississippi and Tennessee, now operating as part of Glacier Bancorp following its April 2026 acquisition.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211), Savings Institutions and Other Depository Credit Intermediation (52218), Other Nondepository Credit Intermediation (52229)

SIC

State Commercial Banks (6022), Personal Credit Institutions (6141), Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

akta.pro secondary industries

Small Business Banking (Microbusiness/Sole Proprietor) (FSABAAAI), SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC), Agricultural & Rural Development Banks (FSABAKAE)

Keywords

• Community banking
• Retail banking services
• Commercial lending
• Residential mortgages
• Wealth management

Headquarters

HQ city

Lincoln

HQ country

United States

HQ region

North America

Offices11 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Net Interest Income: Primary revenue from interest earned on loans (personal, business, mortgages) and investment securities. Interest rate spread between lending rates and deposit costs.
2. Deposit Account Fees: Monthly service fees on checking and savings accounts, with fee waivers for meeting minimum balance requirements or enrolling in eStatements.
3. Mortgage Origination: Loan origination fees and mortgage servicing income from residential mortgages offered in all 50 states and US territories.
4. Commercial Banking Services: Business loans, lines of credit, equipment financing, agricultural loans, commercial real estate loans, SBA loans, and cash management services.
5. Credit Card Revenue: Interchange fees from Visa credit and debit cards, plus cashback rewards programs (1.0% on Classic, 1.25% on Premier business cards).
6. Wealth Management Referral: Referral arrangements with Raymond James Financial Services for investment and wealth management products including retirement planning, annuities, and insurance.

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels5 records

Core offering

Guaranty Bank & Trust Company is a community bank delivering deposit accounts, consumer and commercial loans, residential mortgages, credit cards, cash management, and wealth advisory services to individuals and small-to-medium businesses across Mississippi, Tennessee, and nationwide for mortgages. Banking is offered via physical branches, Interactive Teller Machines (ITMs), the myGBT mobile app, online banking, and dedicated business bankers, with wealth services delivered through a Raymond James partnership.

Product overview

Guaranty Bank & Trust Company is a traditional community bank offering a comprehensive suite of banking products organized into personal banking (checking, savings, loans, mortgages, debit/credit cards), business banking (checking, savings, loans, cash management, online banking), digital banking (mobile app, ITM, Composable Dashboard, My Toolkit, SecurLOCK Equip, Account Services, Zelle, eStatements), and wealth management (Wealth Advisory, Private Wealth). The bank operates as a single-platform banking institution with multiple service channels (branch, online, mobile, ATM/ITM) rather than a modular software architecture. Key digital features include the myGBT mobile app, Interactive Teller Machines with video chat capability, integrated third-party services via My Toolkit, and comprehensive online business banking with QuickBooks integration.

Differentiator

Problem solved

Functional benefit

Brands

• Guaranty Financial Services: Wealth management and financial advisory services offered through partnership with Raymond James Financial Services, Inc. Includes retirement planning, educational and estate planning, equities, fixed income, mutual funds/ETFs, annuities, insurance products, and corporate retirement plans.
• Guaranty Wealth Advisory

Products and services

• Personal Checking Accounts Tiered personal checking accounts (Freedom, Secure, Ultimate, SAM Student, OnCourse, Connect) for individual consumers, with monthly service fees of $0–$15 that can be waived via eStatement enrollment or minimum balance, plus identity protection benefits on select tiers.
• Personal Savings Accounts Savings, money market, and HSA products for individuals, including Guaranty Savings, Personal Money Market, Guaranty Prime Investment Account, and Individual HSA with tiered minimum balance and interest features.
• Personal Loans Consumer loan products including auto loans, HELOC, unsecured installment loans, lines of credit, recreational/boat loans, home equity loans, residential construction loans, and credit-building New Horizon Loans.
• Home Mortgages Residential mortgage origination available in all 50 states and US territories, including Standard Portfolio, Home Prime, Guaranty Equity, High Income, ARM, SAFE Home (no down payment), USDA, FHA, Conventional, and VA loans.
• Debit and Prepaid Cards Contactless Visa debit cards with tap-to-pay, 24/7 fraud monitoring, zero liability protection, plus an optional reloadable Visa prepaid debit card with MoneyPass ATM access.
• Personal Credit Cards Visa Classic and Premier credit cards with travel accident insurance, extended warranty, 90-day product protection, and cashback rewards of 1.0% (Classic) and 1.25% (Premier).
• Business Checking and Savings Business deposit accounts including Guaranty Edge Checking, Commercial Analysis Checking (with earnings credit), Civic Checking for non-profits, Business Checking with Interest, and business savings/money market products.
• Business Loans Commercial loans, lines of credit, letters of credit, equipment loans/leases, agricultural loans, construction/development and real estate loans, SBA loans up to $5M, business credit cards, and 1031 exchange services.
• Business Credit Cards Business Visa credit cards with 1.0% cashback rewards for SMB spend management.
• Business Cash Management Business cash management services including commercial online banking, remote deposit capture, account sweeps, merchant credit card processing, positive pay fraud protection, and payroll cards.
• Wealth Advisory and Private Wealth Wealth management delivered through Guaranty Financial Services / Guaranty Wealth Advisory in partnership with Raymond James, including retirement planning, estate planning, equities, fixed income, mutual funds/ETFs, annuities, insurance, corporate retirement plans, and private wealth services for high-net-worth clients.
• Personal Online and Mobile Banking myGBT mobile app for iOS and Android plus the personal online banking portal, providing account access, fund transfers, bill pay, mobile check deposit, secure messaging, eStatements, and customizable alerts.
• Business Online Banking Comprehensive online banking platform for businesses with multi-user access, ACH file import, wire transfers, tax payments, recipient management, and QuickBooks/Quicken/Mint integration.
• Interactive Teller Machines (ITM) Video-enabled teller machines across 13 locations providing face-to-face interaction with live bank tellers during extended hours (Mon-Fri 7am-7pm, Sat 9am-noon) for deposits, withdrawals, check cashing, account transfers, and loan payments.
• IDProtect Identity Protection Identity theft protection available to Freedom and Secure checking account holders, offering credit monitoring, identity theft reimbursement up to $10,000, and debit/credit card registration via a dedicated IDProtect Service Center.
• Financial Empowerment Programs Financial literacy programs including Money Smart for Youth, Center for Financial Knowledge community workshops, the Teach Children to Save program, and a 5-week Financial Boot Camp curriculum delivered in schools and community settings.

Quantifiable outcome

• 550 students reached through Teach Children to Save program in April 2026
• +1 more outcomes

Named customers3 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration14 records

Feature4 records

Partnerships

Four partnerships are on record, tiered core and minor.

• Raymond James Financial ServicescoreStrategic or Co-development PartnerGuaranty Financial Services, a subsidiary of Guaranty Investment Corp. (wholly owned by Guaranty Bank), partners with Raymond James to provide wealth management services including retirement planning, estate planning, equities, fixed income, mutual funds, ETFs, annuities, and insurance products. Securities offered through Raymond James Financial Services, Inc., member FINRA/SIPC.
• DeluxeminorOthersDeluxe provides check ordering and reordering services for Guaranty Bank customers through their online portal.
• MetaBankminorOthersMetaBank issues the Guaranty Bank Visa Prepaid Debit Card, a reloadable prepaid card accepted anywhere Visa debit cards are accepted worldwide.
• Early Warning Services (Zelle)coreTechnology or IntegrationZelle is integrated into Guaranty Bank's mobile banking app enabling fast, safe person-to-person money transfers between bank accounts. Zelle and related marks are wholly owned by Early Warning Services, LLC.

Scale indicators5 records

Recent moves2 records

Expansion highlights6 records

Direct peers

• BankPlus: Mississippi-based community bank with statewide branch network and full-service consumer/SMB banking, mortgage, and digital offerings. Direct geographic competitor with similar product set.
• Renasant Corporation: Mississippi-headquartered community bank with operations across the Southeast, offering consumer, commercial, and mortgage banking. Highly comparable in scale, geography, and relationship-based banking model.
• Trustmark National Bank: Mississippi-headquartered community/regional bank offering personal, business, and wealth management banking across the Southeast. Directly comparable in geography, customer segments (consumer + SMB), and product breadth to Guaranty Bank.
• Cadence Bank: Mississippi-based regional bank (formerly BancorpSouth) providing commercial and consumer banking with strong SMB and middle-market focus. Direct competitor across Guaranty's Mississippi/Tennessee footprint with similar product mix.
• Hope Credit Union: CDFI-certified community development financial institution serving Mississippi and the Deep South with consumer, small business, and mortgage products. Direct peer along the CDFI/community-development mission dimension.
• First American National Bank: Mississippi community bank that Guaranty Bank announced plans to acquire in June 2023. Directly comparable community banking peer in the same geography with overlapping consumer/SMB customers.

Regional players

• Citizens National Bank (Mississippi): Mississippi-based community bank providing personal, business, and agricultural banking across central and north Mississippi. Geographic peer with comparable community-bank scale and product focus.

Broad incumbents

• Glacier Bancorp: Montana-based regional bank holding company that completed acquisition of Guaranty in April 2026; operates 285 offices across 9 states with $32B in assets. Parent company and broad incumbent community banking consolidator.
• First Horizon Corporation: Tennessee-headquartered regional bank with significant presence across the Southeast, offering consumer, commercial, mortgage, and wealth services. Broader incumbent competitor overlapping Guaranty's Tennessee geography.
• Pinnacle Financial Partners: Tennessee-headquartered regional bank focused on commercial and SMB banking with relationship-based service model. Comparable in SMB banking emphasis and Mid-South market overlap.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/MyGBT
• LinkedInlinkedin.com/company/guaranty-bank
• Instagraminstagram.com/guarantybank
• Xx.com/GuarantyBank

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles14 records

Funding overview

Funding rounds1 record

Investors1 record

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

M&A1 record

Investments

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

Frequently asked questions about Guaranty Bank & Trust Company