Guaranty Bancshares — Q1 2025 Earnings Presentation
10 slides from Guaranty Bancshares's earnings presentation, Jul 21, 2025
Slide 1: Investor Presentation 1st Quarter 2025
INVESTOR PRESENTATION NYSE: GNTY 1ST QUARTER 2025
Slide 2: Safe Harbor Statement About Guaranty Bancshares, Inc.
SAFE HARBOR STATEMENT ABOUT GUARANTY BANCSHARES, INC. Guaranty Bancshares, Inc. is the parent company for Guaranty Bank & Trust, N.A. Guaranty Bank & Trust has 33 banking locations across 26 Texas communities located within the East Texas, Dallas/Fort Worth, Houston and Central Texas regions of the
Slide 3: Safe Harbor Statement
SAFE HARBOR STATEMENT This presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These forward-looking statements reflect our current views with respect to, among other things, future events and our results of operations, financi
Slide 4: Quarterly Highlights
QUARTERLY HIGHLIGHTS Ty Abston CEO and Chairman of the Board Shalene Jacobson EVP and Chief Financial Officer
Slide 5: Q1 2025 – Financial Results
Q1 2025 – FINANCIAL RESULTS EARNINGS, ROAA AND NIM BALANCE SHEET NONINTEREST INCOME AND EXPENSE Total assets were $3.15 billion at Mar 31, 2025, compared to $3.12 billion at Dec 31, 2024 Total gross loans were $2.11 billion at Mar 31, 2025, compared to $2.13 billion at Dec 31, 2024 Gross loans decre
Slide 6: Loan Portfolio & Credit Quality
ACL Reversal of provision for credit losses of $300,000 in 1Q25 Reversals in provision due to a reduction in gross loan balances and stable credit trends Minimal changes to qualitative factors Allowance for credit losses (ACL) coverage was 1.32% as of Mar 31 2025 and 1.33% as of Dec 31, 2024 LOAN PO
Slide 7: Q1 2025 – Deposits, Liquidity & Capital
DEPOSITS Granular deposits: 91,105 total deposit accounts with an average balance of $29,684 Uninsured deposits, excluding public funds and GNTY-owned accounts, are 26.7% of total deposits Total deposits increased by $12.2 million during 1Q25. Savings and money market account balances increased $19.
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Slide 9: Reconciliation of Non-GAAP Financial Measures
RECONCILIATION OF NON-GAAP FINANCIAL MEASURES Net Unrealized Loss on Securities, Tax Effected, as a Percentage of Total Equity (dollars in thousands) March 31, 2025 Total equity(1) $ 325,806 Less: net unrealized loss on HTM securities, tax effected (21,317) Total equity, including net unrealized los
Slide 10: Reconciliation of Non-GAAP Financial Measures – Cost of Total Deposits
RECONCILIATION OF NON-GAAP FINANCIAL MEASURES Cost of Total Deposits Quarter Ended (dollars in thousands) March 31, 2025 December 31, 2024 March 31, 2024 Total average interest-bearing deposits $ 1,847,115 $ 1,855,713 $ 1,789,119 Adjustments: Noninterest-bearing deposits 822,324 842,655 823,638 Tota