Guaranty Bancshares, Inc.

Guaranty Bancshares — Q3 2024 Earnings Presentation

10 slides from Guaranty Bancshares's earnings presentation, Oct 21, 2024

  1. Slide 1: Investor Presentation 3rd Quarter 2024

    INVESTOR PRESENTATION NYSE: GNTY 3RD QUARTER 2024

  2. 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

  3. 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

  4. Slide 4: Quarterly Highlights

    QUARTERLY HIGHLIGHTS Ty Abston CEO and Chairman of the Board Shalene Jacobson EVP and Chief Financial Officer

  5. Slide 5: Q3 2024 – Financial Results

    Q3 2024 – FINANCIAL RESULTS EARNINGS, ROAA AND NIM BALANCE SHEET NONINTEREST INCOME AND EXPENSE Total assets were $3.10 billion at Sep 30, 2024, compared to $3.18 billion at Dec 31, 2023 Total gross loans were $2.14 billion at Sep 30, 2024, compared to $2.32 billion at Dec 31, 2023 Gross loans decre

  6. Slide 6: Loan Portfolio & Credit Quality

    ACL Reverse provision for credit losses of $500,000 in 3Q24 and $1.95 million reversal YTD Reduction in gross loan balances and stable credit trends No qualitative factor adjustments in 3Q24 Allowance for credit losses (ACL) coverage is 1.34% at Sep 30, 2024 and 1.33% at Dec 31, 2023 LOAN PORTFOLIO

  7. Slide 7: Q3 2024 – Deposits, Liquidity & Capital

    DEPOSITS Granular deposits: 89,878 total deposit accounts with an average balance of $29,695 Uninsured deposits, excluding public funds and GNTY-owned accounts, are 26.3% of total deposits Total deposits increased by $42.8 million during 3Q24. Time deposit and DDA balances increased $24.5 million an

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  9. 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) September 30, 2024 Total equity(1) $ 319,293 Less: net unrealized loss on HTM securities, tax effected (17,852) Total equity, including net unrealized

  10. Slide 10: Reconciliation of Non-GAAP Financial Measures

    RECONCILIATION OF NON-GAAP FINANCIAL MEASURES Cost of Total Deposits Quarter Ended (dollars in thousands) September 30, 2024 June 30, 2024 September 30, 2023 Total average interest-bearing deposits $ 1,821,395 $ 1,795,958 $ 1,726,218 Adjustments: Noninterest-bearing deposits 800,573 818,290 888,772

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