Guaranty Bank & Trust


Overview / Commentary
903-572-9881
100 West Arkansas Street
Mount Pleasant, TX 75455

Guaranty Bank & Trust is headquartered in MOUNT PLEASANT and is the 33rd largest bank in the state of Texas. It is also the 390th largest bank in the nation. It was established in 1913 and as of June of 2024, it had grown to 482 employees at 34 locations. Guaranty Bank & Trust's money market rates are 8X the national average, and it has an A health rating.

Reviews (2)

Stealing Money

I endorsed a check to be paid to someone and Guaranty stole over $300 from that check because I had a loan payment due. They did not ask permission from me or the person I was paying.

Horrible Banking App

Posted by: |

I have been a customer for 10 plus years and the people are amazing and great, The bank is great to work with but their banking app is a piece of trash and has been ever since they created it. I has banking apps from another local bank and a to big to fail bank and both work flawlessly but their app constantly forgets your info and forces you to sign in again, the facial recognition feature will never work over a week, in order to sign in if you have forgotten your password, you must know your account number...no easy way to see who to call on the app to get help to sign in again...JUST PURE TRASH! HOPEFULLY MANAGEMENT WILL FIX IT ONE DAY!!



Health

Health Grade Components

Overall
FDIC Certificate #1208
Year Established1913
Employees482
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.99%
Return on Equity - YTD8.91%
Annual Interest Income$81.5MM
Assets and Liabilities
AssetsQ2 2024vs Q2 2023$3.08B$3.2B
LoansQ2 2024vs Q2 2023$2.19B$2.3B
DepositsQ2 2024vs Q2 2023$2.63B$2.6B
Equity CapitalQ2 2024vs Q2 2023$351.6MM$356.4MM
Loan Loss AllowanceQ2 2024vs Q2 2023$29.3MM$31.8MM
Unbacked Noncurrent LoansQ2 2024vs Q2 2023$5.6MM$3.6MM
Real Estate OwnedQ2 2024vs Q2 2023$15.2MM$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not Guaranty Bank & Trust; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Guaranty Bank & Trust Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.55%$0-Savings

Guaranty Bank & Trust Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.70%*$1m*-Premier Money Market
OTHER TIERS: 1.40% $2.5k - $25k | 1.50% $25k - $100k | 1.85% $100k - $250k | 2.50% $250k - $500k | 3.25% $500k - $1m

Guaranty Bank & Trust Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.45%$2.5k-Premium Checking

Guaranty Bank & Trust CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.20%$100k$250k9 Month Jumbo CD Special
4.00%$2.5k$250k9 Month CD Special
3.85%$100k$250k13 Month Jumbo CD Special
3.55%$2.5k$250k13 Month CD Special
Locations

Availability



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