Guaranty Bancshares, Inc. (GNTY)

Guaranty Bancshares Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	143.4	139.43	136.09	104.5	92.5	93.34
Interest Income on Investments	19.73	23.73	20.41	18.71	10.05	9.71
Total Interest Income	163.13	163.16	156.49	123.21	102.55	103.04
Interest Paid on Deposits	55.91	58.83	44.98	9.75	5.65	11.62
Interest Paid on Borrowings	2.42	6.45	14.53	5.63	1.34	1.44
Total Interest Expense	58.33	65.28	59.51	15.38	6.99	13.06
Net Interest Income	104.8	97.88	96.98	107.83	95.56	89.98
Net Interest Income Growth (YoY)	10.80%	0.93%	-10.06%	12.84%	6.20%	14.09%
Gain (Loss) on Sale of Investments	-	-	-0.23	0.17	-	-
Other Non-Interest Income	19.82	19.75	21.54	20.88	18.58	16.2
Total Non-Interest Income	21.47	20.74	22.51	23.49	24.11	23.04
Non-Interest Income Growth (YoY)	9.60%	-7.89%	-4.14%	-2.60%	4.67%	35.82%
Revenues Before Loan Losses	126.28	118.62	119.49	131.31	119.67	113.02
Provision for Loan Losses	-1.05	-2.2	-	2.15	-1.7	13.2
Revenue	127.33	120.82	119.49	129.16	121.37	99.82
Revenue Growth (YoY)	10.12%	1.11%	-7.49%	6.42%	21.59%	5.54%
Salaries and Employee Benefits	45.06	45.19	47.22	45.9	40.89	35.86
Occupancy Expenses	0.17	-	-	-	-	-
Selling, General & Administrative	17.98	14.31	14.12	12.71	12.4	11.55
Other Non-Interest Expense	18.28	21.81	20.42	20.61	19.26	18.36
Total Non-Interest Expense	82.47	81.85	82.35	79.91	73.28	66.52
EBT Excluding Unusual Items	44.85	38.96	37.14	49.26	48.09	33.3
Pretax Income	44.85	38.96	37.14	49.26	48.56	33.3
Income Tax Expense	8.86	7.47	7.13	8.83	8.75	5.9
Earnings From Continuing Operations	35.99	31.49	30.01	40.42	39.81	27.4
Minority Interest in Earnings	0.06	0.05	0.03	0.02	-	-
Net Income	36.06	31.54	30.04	40.45	39.81	27.4
Net Income to Common	36.06	31.54	30.04	40.45	39.81	27.4
Net Income Growth	37.10%	4.99%	-25.74%	1.61%	45.27%	4.27%
Basic Shares Outstanding	11	11	12	12	12	12
Diluted Shares Outstanding	11	12	12	12	12	12
Shares Change (YoY)	-1.09%	-2.01%	-2.93%	-0.97%	-0.36%	-4.82%
EPS (Basic)	3.17	2.75	2.57	3.38	3.30	2.24
EPS (Diluted)	3.13	2.74	2.56	3.34	3.26	2.24
EPS Growth	37.68%	7.03%	-23.35%	2.45%	45.54%	9.27%
Dividend Per Share	0.980	0.960	0.920	0.880	0.800	0.710
Dividend Growth	4.25%	4.35%	4.54%	10.00%	12.68%	10.94%
Effective Tax Rate	19.75%	19.18%	19.20%	17.94%	18.02%	17.70%

Updated Jul 21, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q