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 | 2,906,666,000 | 2,849,191,000 | 2,973,766,000 | 2,913,249,000 |
| Total loans | 2,002,163,000 | 2,019,563,000 | 2,043,669,000 | 2,056,345,000 |
| Allowance for loan losses | 26,819,000 | 25,894,000 | 26,551,000 | 27,874,000 |
| Securities available for sale | 438,959,000 | 426,381,000 | 428,000,000 | 419,212,000 |
| Securities held to maturity | 136,938,000 | 135,873,000 | 140,190,000 | 138,439,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,388,408,000 | 2,369,025,000 | 2,429,249,000 | 2,551,818,000 |
| Interest-bearing deposits | 1,895,030,000 | 1,904,683,000 | 1,954,353,000 | 2,069,830,000 |
| Noninterest-bearing deposits | 493,378,000 | 464,342,000 | 474,896,000 | 481,988,000 |
| Equity capital | 308,863,000 | 315,671,000 | 324,258,000 | 331,940,000 |
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 | 41,478,000 | 83,749,000 | 126,752,000 | 169,961,000 |
| Interest expense | 16,167,000 | 31,816,000 | 47,337,000 | 63,034,000 |
| Net interest income | 25,311,000 | 51,933,000 | 79,415,000 | 106,927,000 |
| Noninterest income | 6,754,000 | 12,193,000 | 19,445,000 | 26,974,000 |
| Noninterest expense | 19,707,000 | 38,864,000 | 61,228,000 | 83,254,000 |
| Provision for loan losses | 2,081,000 | 3,994,000 | 5,879,000 | 9,213,000 |
| Pretax income | 10,172,000 | 20,836,000 | 31,179,000 | 40,860,000 |
| Income tax | 2,358,000 | 4,733,000 | 7,166,000 | 8,878,000 |
| Net income | 7,814,000 | 16,103,000 | 24,013,000 | 31,982,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 278,858,000 | 285,367,000 | 291,101,000 | 296,895,000 |