bank holding company · RSSD 1862036 · TX
How big is GUARANTY BANCSHARES, INC.?
GUARANTY BANCSHARES, INC. (TX, RSSD 1862036) reported consolidated total assets of $2.9B, deposits of $2.5B and a Tier 1 risk-based capital ratio of 12.98% in its FR Y-9C for 2021Q1. That ranks 304 of 349 bank holding companies by assets, 154 of 192 among bank holding companies with $1b-$10b in assets, 33 of 34 bank holding companies in texas.
What stands out
GUARANTY BANCSHARES, INC. (TX, RSSD 1862036) reported consolidated total assets of $2.9B, deposits of $2.5B and a Tier 1 risk-based capital ratio of 12.98% in its FR Y-9C for 2021Q1. That ranks 304 of 349 bank holding companies by assets, 154 of 192 among bank holding companies with $1b-$10b in assets, 33 of 34 bank holding companies in texas. Against its size class: tier 1 risk-based capital ratio 12.98%, below the peer median of 13.16%; tier 1 leverage ratio 9.09%, below the peer median of 9.64%; return on assets 1.52%, above the peer median of 1.34%. At 12.98% its Tier 1 risk-based ratio is above the 6% minimum of the Federal Reserve's capital rule in force since 2015; its leverage ratio of 9.09% is above the 4% minimum. Buffers, stress tests and the small-holding-company exemption are not applied here. This is the last quarter in the bulk series; the holding company may have filed later reports that are not loaded.
Key figures, 2021Q1
As filed on the FR Y-9C; ratios marked computed are FACTANKER's. Peer medians are percentile_cont over the group in the same quarter.
| Measure | 2021Q1 | Median, size class | Median, state | Median, all | Evidence |
|---|---|---|---|---|---|
| Total assets | $2.9B | $4.7B | $8.6B | $7.7B | record → |
| Total deposits | $2.5B | $4.0B | $6.7B | $6.1B | record → |
| Loans and leases | $1.9B | $3.1B | $5.3B | $5.3B | record → |
| Net income (year to date) | $11.0M | $14.3M | $31.4M | $25.6M | record → |
| Total equity capital | $280.1M | $463.8M | $811.3M | $832.0M | record → |
| Equity to assets | 9.69% | 10.13% | 10.21% | 10.46% | computed |
| Tier 1 risk-based capital ratio | 12.98% | 13.16% | 14.00% | 13.18% | record → |
| Total risk-based capital ratio | 14.24% | 15.35% | 15.89% | 15.34% | record → |
| Tier 1 leverage ratio | 9.09% | 9.64% | 9.38% | 9.48% | record → |
| Return on assets | 1.52% | 1.34% | 1.49% | 1.34% | computed |
Quarter by quarter
122 reports on record, 1990Q4–2021Q1; the 40 most recent shown.
| Quarter | Total assets | Deposits | Loans | Net income YTD | Equity | Tier 1 ratio | Rank |
|---|---|---|---|---|---|---|---|
| 2021Q1 | $2.9B | $2.5B | $1.9B | $11.0M | $280.1M | 12.98% | 304 |
| 2020Q4 | $2.7B | $2.3B | $1.9B | $27.4M | $272.6M | 11.94% | 301 |
| 2020Q3 | $2.7B | $2.2B | $2.0B | $17.5M | $266.9M | 10.81% | 301 |
| 2020Q2 | $2.7B | $2.2B | $2.0B | $7.4M | $258.9M | 10.52% | 302 |
| 2020Q1 | $2.4B | $2.0B | $1.7B | $6.3M | $253.6M | 11.53% | 302 |
| 2019Q4 | $2.3B | $2.0B | $1.7B | $26.3M | $261.6M | 12.44% | 302 |
| 2019Q3 | $2.3B | $2.0B | $1.7B | $18.9M | $255.9M | 11.55% | 305 |
| 2019Q2 | $2.3B | $2.0B | $1.7B | $11.4M | $250.1M | 11.53% | 308 |
| 2019Q1 | $2.3B | $2.0B | $1.7B | $5.3M | $250.3M | 11.88% | 304 |
| 2018Q4 | $2.3B | $1.9B | $1.7B | $20.6M | $244.6M | 12.44% | 311 |
| 2018Q3 | $2.2B | $1.8B | $1.7B | $14.1M | $242.0M | 12.43% | 310 |
| 2018Q2 | $2.2B | $1.8B | $1.6B | $9.0M | $239.7M | 12.54% | 329 |
| 2018Q1 | $2.0B | $1.7B | $1.4B | $4.4M | $207.4M | 13.21% | 353 |
| 2017Q4 | $2.0B | $1.7B | $1.4B | $14.4M | $207.3M | 13.29% | 358 |
| 2017Q3 | $1.9B | $1.6B | $1.3B | $11.6M | $207.3M | 13.76% | 366 |
| 2017Q2 | $1.9B | $1.6B | $1.3B | $7.5M | $204.6M | 13.66% | 365 |
| 2017Q1 | $1.9B | $1.7B | $1.3B | $3.5M | $146.4M | 10.00% | 371 |
| 2016Q4 | $1.8B | $1.6B | $1.2B | $12.1M | $141.9M | 10.03% | 379 |
| 2016Q3 | $1.8B | $1.5B | $1.2B | $8.5M | $148.0M | 10.62% | 379 |
| 2016Q2 | $1.8B | $1.5B | $1.2B | $5.2M | $144.7M | 10.65% | 382 |
| 2016Q1 | $1.8B | $1.5B | $1.1B | $2.7M | $150.4M | 11.45% | 367 |
| 2015Q4 | $1.7B | $1.5B | $1.1B | $10.1M | $137.7M | 11.32% | 387 |
| 2015Q3 | $1.6B | $1.3B | $1.1B | $7.7M | $141.1M | 11.58% | 389 |
| 2015Q2 | $1.6B | $1.3B | $1.1B | $5.0M | $141.5M | 11.87% | 396 |
| 2015Q1 | $1.5B | $1.2B | $956.5M | $2.8M | $123.7M | 11.37% | 408 |
| 2014Q4 | $1.3B | $1.1B | $792.1M | $9.7M | $112.3M | 13.65% | 448 |
| 2014Q3 | $1.3B | $1.0B | $771.1M | $7.2M | $120.7M | 14.79% | 454 |
| 2014Q2 | $1.3B | $1.0B | $721.2M | $4.8M | $119.1M | 15.12% | 459 |
| 2014Q1 | $1.3B | $1.0B | $706.6M | $2.3M | $101.8M | 13.46% | 466 |
| 2013Q4 | $1.2B | $1.0B | $706.3M | $14.8M | $97.7M | 12.96% | 455 |
| 2013Q3 | $1.2B | $962.1M | $671.2M | $10.1M | $97.0M | 13.40% | 456 |
| 2013Q2 | $1.2B | $933.3M | $649.0M | $6.8M | $85.6M | 13.35% | 477 |
| 2013Q1 | $1.2B | $951.6M | $636.9M | $2.9M | $100.8M | 14.49% | 490 |
| 2012Q4 | $1.2B | $956.5M | $636.5M | $15.5M | $97.7M | 14.01% | 492 |
| 2012Q3 | $1.1B | $916.2M | $630.6M | $12.6M | $97.8M | 14.08% | 496 |
| 2012Q2 | $1.1B | $901.7M | $615.7M | $7.8M | $94.4M | 13.77% | 498 |
| 2012Q1 | $1.1B | $921.2M | $601.9M | $3.5M | $90.4M | 13.63% | 499 |
| 2011Q4 | $1.1B | $931.8M | $606.3M | $14.3M | $85.6M | 13.45% | 439 |
| 2011Q3 | $1.1B | $899.9M | $593.2M | $11.5M | $86.3M | 13.21% | 446 |
| 2011Q2 | $1.0B | $838.9M | $539.5M | $7.1M | $82.9M | 14.81% | 460 |
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