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.
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.
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!!
Overall | |
---|---|
FDIC Certificate # | 1208 |
Year Established | 1913 |
Employees | 482 |
Primary Regulator | OCC |
Profit Margin | |
---|---|
Return on Assets - YTD | 0.99% |
Return on Equity - YTD | 8.91% |
Annual Interest Income | $81.5MM |
Assets and Liabilities | ||
---|---|---|
Assets | Q2 2024vs Q2 2023 | $3.08B$3.2B |
Loans | Q2 2024vs Q2 2023 | $2.19B$2.3B |
Deposits | Q2 2024vs Q2 2023 | $2.63B$2.6B |
Equity Capital | Q2 2024vs Q2 2023 | $351.6MM$356.4MM |
Loan Loss Allowance | Q2 2024vs Q2 2023 | $29.3MM$31.8MM |
Unbacked Noncurrent Loans | Q2 2024vs Q2 2023 | $5.6MM$3.6MM |
Real Estate Owned | Q2 2024vs Q2 2023 | $15.2MM$0 |
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.
APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
---|---|---|---|---|
0.55% | $0 | - | Savings |
APY | MIN | MAX | ACCOUNT NAME | VIEW 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 |
APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
---|---|---|---|---|
0.45% | $2.5k | - | Premium Checking |
APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
---|---|---|---|---|
4.20% | $100k | $250k | 9 Month Jumbo CD Special | |
4.00% | $2.5k | $250k | 9 Month CD Special | |
3.85% | $100k | $250k | 13 Month Jumbo CD Special | |
3.55% | $2.5k | $250k | 13 Month CD Special |