Call reports 2025
GUARANTY BANK & TRUST, N.A. — 2025
What GUARANTY BANK & TRUST, N.A. reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 |
|---|---|---|---|
| Total assets | 3,150,328,000 | 3,140,933,000 | 3,108,145,000 |
| Total loans | 2,107,879,000 | 2,141,142,000 | 2,150,383,000 |
| Allowance for loan losses | 27,865,000 | 27,586,000 | 27,538,000 |
| Securities available for sale | 362,647,000 | 367,929,000 | 357,799,000 |
| Securities held to maturity | 305,153,000 | 280,835,000 | 264,266,000 |
| Trading assets | 0 | 311,000 | 0 |
| Total deposits | 2,713,846,000 | 2,718,809,000 | 2,714,058,000 |
| Interest-bearing deposits | 1,858,617,000 | 1,853,047,000 | 1,875,059,000 |
| Noninterest-bearing deposits | 855,229,000 | 865,762,000 | 838,999,000 |
| Equity capital | 357,908,000 | 362,940,000 | 345,386,000 |
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 |
|---|---|---|---|
| Interest income | 40,279,000 | 81,426,000 | 123,689,000 |
| Interest expense | 13,112,000 | 26,132,000 | 39,178,000 |
| Net interest income | 27,167,000 | 55,294,000 | 84,511,000 |
| Noninterest income | 5,094,000 | 10,714,000 | 16,574,000 |
| Noninterest expense | 20,854,000 | 41,037,000 | 72,209,000 |
| Provision for loan losses | -300,000 | -300,000 | -300,000 |
| Pretax income | 11,707,000 | 25,271,000 | 29,178,000 |
| Income tax | 2,339,000 | 5,143,000 | 6,350,000 |
| Net income | 9,385,000 | 20,164,000 | 22,914,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 |
|---|---|---|---|
| Tier 1 capital | 347,773,000 | 353,602,000 | 330,248,000 |
| Total capital | 375,638,000 | 381,188,000 | 357,786,000 |
| Risk-weighted assets | 2,230,453,000 | 2,248,039,000 | 2,228,266,000 |