Call reports 2025
GUARANTY BANK — 2025
What GUARANTY BANK 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 | 2,332,497,000 | 2,367,028,000 | 2,447,397,000 | 2,414,264,000 |
| Total loans | 1,794,915,000 | 1,833,706,000 | 1,896,178,000 | 1,866,190,000 |
| Allowance for loan losses | 23,259,000 | 23,724,000 | 25,426,000 | 23,659,000 |
| Securities available for sale | 78,762,000 | 78,897,000 | 77,065,000 | 72,973,000 |
| Securities held to maturity | 171,730,000 | 181,653,000 | 196,512,000 | 198,307,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,841,624,000 | 1,867,483,000 | 1,835,993,000 | 1,833,594,000 |
| Interest-bearing deposits | 1,592,510,000 | 1,611,701,000 | 1,558,165,000 | 1,542,182,000 |
| Noninterest-bearing deposits | 249,114,000 | 255,782,000 | 277,828,000 | 291,412,000 |
| Equity capital | 385,073,000 | 389,152,000 | 389,587,000 | 392,102,000 |
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 | 29,343,000 | 59,712,000 | 91,490,000 | 123,509,000 |
| Interest expense | 15,562,000 | 31,566,000 | 47,963,000 | 63,606,000 |
| Net interest income | 13,781,000 | 28,146,000 | 43,527,000 | 59,903,000 |
| Noninterest income | 2,526,000 | 5,790,000 | 13,476,000 | 16,982,000 |
| Noninterest expense | 11,177,000 | 23,559,000 | 36,445,000 | 50,775,000 |
| Provision for loan losses | 1,430,000 | 2,415,000 | 4,115,000 | 4,115,000 |
| Pretax income | 3,756,000 | 8,384,000 | 16,775,000 | 22,323,000 |
| Income tax | -416,000 | -751,000 | -216,000 | -1,385,000 |
| Net income | 4,172,000 | 9,135,000 | 16,991,000 | 23,708,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 277,260,000 | 282,693,000 | 281,017,000 | 283,230,000 |
| Total capital | 302,258,000 | 307,790,000 | 307,907,000 | 308,357,000 |
| Risk-weighted assets | 2,055,862,000 | 2,094,113,000 | 2,169,271,000 | 2,182,471,000 |