Guaranty Bancshares, Inc. (NYSE:GNTY) Q4 2024 Earnings Call Transcript January 21, 2025 11:00 AM ET
Company Participants
Nona Branch – IR
Ty Abston – Chairman and CEO
Shalene Jacobson – EVP and CFO
Conference Call Participants
Woody Lay – KBW
Matt Olney – Stephens
Michael Rose – Raymond James
Nona Branch
Good morning. Welcome to Guaranty Bancshares Fourth Quarter 2024 Earnings Call. My name is Nona Branch, and I will be your operator for today’s call. This call is being recorded. Our host for today’s call will be Ty Abston, Chairman and Chief Executive Officer; Shalene Jacobson, Executive Vice President and Chief Financial Officer. To begin our call, I will now turn it over to our CEO, Ty Abston.
Ty Abston
Thank you, Nona. Good morning, and welcome, everyone, to Guaranty Bancshares fourth quarter earnings call. Our company had a good year in 2024 with prospects of an even stronger year in ’25. I’m very proud of our whole team and our ability to continue to build and deepen strong relationships with our customers throughout our footprint in Texas. We see very positive trends across the board in our company and in every one of our markets.
We are ending the year with very strong performance metrics. Our credit metrics, liquidity, capital and earnings are all strong. We also have the capacity to grow our loan portfolio in the current year as we hopefully see increased opportunities. This capacity comes from our strong funding base of core deposits and the fact that we have good capacity in all of our lending buckets as well as our overall strong liquidity position. We see the biggest opportunity for our company to build further shareholder value in the area of continued organic growth and further — as we further mature our expansion markets and our footprint throughout the state of Texas. This
