What are Guaranty Bancshares Inc's Business Segments?
Guaranty Bancshares Inc is a Texas-based financial holding company that provides various financial services to individuals, small businesses, and mid-sized companies. The company operates through Guaranty Bank & Trust, which offers a range of products and services to its customers.
Segments: Guaranty Bancshares Inc is structured into two main segments: Banking and Mortgage. The Banking segment offers a comprehensive range of financial services, including checking and savings accounts, mortgage loans, personal loans, business loans, online banking, treasury management, merchant services, and trust services. The Mortgage segment provides mortgage lending services throughout Texas, including conventional loans, FHA loans, VA loans, USDA loans, and Jumbo loans.
Products: Guaranty Bancshares Inc offers a wide array of products to cater to the diverse financial needs of its customers. The products include:
1. Checking and Savings Accounts: Guaranty Bank & Trust offers several types of personal and business checking and savings accounts that are customizable to meet specific financial goals.
2. Personal and Business Loans: The companyes Banking segment offers a range of personal, home, and business loans with competitive interest rates and flexible payment terms.
3. Credit Cards: Guaranty Bank & Trust offers Mastercard and Visa credit cards with features like cashback rewards, low interest rates, and fraud monitoring.
4. Online and Mobile Banking: The company offers secure online and mobile banking services to allow customers to access their account information, pay bills, transfer funds and manage their finances from anywhere.
5. Wealth Management and Trust Services: Guaranty Bank & Trust provides wealth management and trust services, including estate planning, retirement planning, investment management, and trust administration.
Services: Guaranty Bank & Trust also provides various services to its customers to further strengthen its relationship with them. The services include:
1. Treasury Management Services: The Banking segment offers treasury management services to businesses for efficient cash management, including payroll processing, wire transfers, and cash concentration.
2. Merchant Services: Guaranty Bank & Trust offers merchant services to businesses, including credit card processing, online payment processing, and customized payment solutions.
3. Insurance Services: The company provides insurance services like property and casualty insurance, life insurance, and health insurance through its subsidiary, GB&T Insurance.
4. Online Investment Services: The company provides online investment services to help customers manage their financial portfolios and achieve their investment goals.
In summary, Guaranty Bancshares Inc offers a range of products and services to meet the financial needs of its customers, including checking and savings accounts, personal and business loans, credit cards, online and mobile banking, wealth management and trust services, treasury management, merchant services, insurance services, and online investment services.
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