Call reports 2025
GUARANTY BANK AND TRUST COMPANY — 2025
What GUARANTY BANK AND TRUST COMPANY reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 321,488,000 | 311,824,000 | 298,062,000 | 306,966,000 |
| Total loans | 221,499,000 | 224,961,000 | 227,697,000 | 222,067,000 |
| Allowance for loan losses | 2,163,000 | 2,329,000 | 2,329,000 | 2,425,000 |
| Securities available for sale | 51,132,000 | 51,546,000 | 50,567,000 | 48,807,000 |
| Securities held to maturity | 16,000,000 | 10,000,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 281,239,000 | 261,352,000 | 256,250,000 | 264,383,000 |
| Interest-bearing deposits | 200,869,000 | 190,611,000 | 188,640,000 | 190,609,000 |
| Noninterest-bearing deposits | 80,370,000 | 70,741,000 | 67,610,000 | 73,774,000 |
| Equity capital | 39,491,000 | 39,817,000 | 40,854,000 | 42,139,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 4,580,000 | 9,288,000 | 13,767,000 | 18,254,000 |
| Interest expense | 1,059,000 | 2,099,000 | 3,109,000 | 4,090,000 |
| Net interest income | 3,521,000 | 7,189,000 | 10,658,000 | 14,164,000 |
| Noninterest income | 183,000 | 358,000 | 533,000 | 399,000 |
| Noninterest expense | 2,445,000 | 4,854,000 | 7,300,000 | 9,707,000 |
| Provision for loan losses | 60,000 | 236,000 | 325,000 | 422,000 |
| Pretax income | 1,199,000 | 2,457,000 | 3,567,000 | 4,434,000 |
| Income tax | 266,000 | 564,000 | 850,000 | 886,000 |
| Net income | 933,000 | 1,893,000 | 2,717,000 | 3,548,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,868,000 | 41,899,000 | 42,722,000 | 43,554,000 |
| Total capital | 44,031,000 | 44,228,000 | 45,049,000 | 45,979,000 |
| Risk-weighted assets | 193,303,000 | 211,087,000 | 213,859,000 | 210,609,000 |