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Guaranty Bancshares, Inc. operates as the bank holding company for Guaranty Bank & Trust, N.A. that provides a range of commercial and consumer banking products and services. The company offers a range of depository products including non-interest bearing transaction accounts, money market deposit accounts, interest checking accounts, savings accounts, fixed and adjustable rate certificates of deposits and individual retirement accounts. It also offers consumer loans in the categories of automobile/farm/home improvement, education/credit cards, entertainment/vacations, boats/personal property and seasonal credit programs; and mortgage loans for one-to-four family residential real estate properties, multi-family residential properties and commercial properties. Guaranty Bancshares, Inc is based in Addison, Texas.