Loading...
•
Jun 30, 2025
Guaranty Bancshares Q2 2025 Earnings Report
Guaranty Bancshares reported solid earnings growth in Q2 2025 driven by higher net interest margin and strong asset quality.
Key Takeaways
The company delivered strong Q2 2025 results with net income of $10M and improved profitability, supported by higher net interest income, stable loan and deposit growth, and robust asset quality metrics.
Net income increased to $10M, up from $7.4M in Q2 2024
Net interest margin improved to 3.71% from 3.26% last year
Nonperforming assets remained low at 0.33% of total assets
Total deposits rose to $2.71B, showing stable growth
Revenue by Segment
Forward Guidance
The company expects continued stability in deposits and loan growth, with strong capital and liquidity levels supporting future performance.
Positive Outlook
- Stable and slightly growing loan levels
- Core deposits remain reliable and increased $4.2M in Q2
- Asset quality remains strong with low nonperforming assets
- Capital and liquidity ratios remain healthy
- Improving net interest margin driven by lower deposit costs
Challenges Ahead
- Increase in nonperforming assets from prior quarter
- Slight decrease in interest-bearing deposits
- Continued pressure on merchant and debit card fees
- Legal and professional fees rising due to merger-related costs
- Exposure to interest rate fluctuations despite hedging efforts
Historical Earnings Impact
Analyze how earnings announcements historically affect stock price performance
Avg. Return Before/After Earnings
Loading earnings performance data...
Loading earnings reaction data...