Call reports 2025
GUARANTY BANK INC. — 2025
What GUARANTY BANK INC. 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 | 143,919,000 | 140,918,000 | 142,473,000 | 147,404,000 |
| Total loans | 116,922,000 | 117,934,000 | 118,484,000 | 120,999,000 |
| Allowance for loan losses | 1,927,000 | 1,937,000 | 1,940,000 | 1,940,000 |
| Securities available for sale | 9,556,000 | 11,280,000 | 12,432,000 | 13,948,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,442,000 | 117,677,000 | 118,759,000 | 123,490,000 |
| Interest-bearing deposits | 94,193,000 | 93,367,000 | 94,608,000 | 99,445,000 |
| Noninterest-bearing deposits | 26,249,000 | 24,310,000 | 24,151,000 | 24,045,000 |
| Equity capital | 19,370,000 | 19,507,000 | 19,969,000 | 20,231,000 |
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 | 2,183,000 | 4,374,000 | 6,728,000 | 9,026,000 |
| Interest expense | 687,000 | 1,361,000 | 2,042,000 | 2,760,000 |
| Net interest income | 1,496,000 | 3,013,000 | 4,686,000 | 6,266,000 |
| Noninterest income | 141,000 | 281,000 | 417,000 | 541,000 |
| Noninterest expense | 1,188,000 | 2,458,000 | 3,864,000 | 5,232,000 |
| Provision for loan losses | 30,000 | 30,000 | 30,000 | 55,000 |
| Pretax income | 304,000 | 691,000 | 1,094,000 | 1,405,000 |
| Income tax | 64,000 | 142,000 | 235,000 | 338,000 |
| Net income | 240,000 | 549,000 | 859,000 | 1,067,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,472,000 | 19,607,000 | 19,953,000 | 20,192,000 |
| Total capital | 20,828,000 | 20,969,000 | 21,351,000 | 21,631,000 |
| Risk-weighted assets | 107,926,000 | 108,323,000 | 111,329,000 | 114,589,000 |