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Guaranty Bancshares (GNTY) investor relations material
Guaranty Bancshares Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
Executive summary
Net earnings attributable to shareholders rose to $18.6 million for the six months ended June 30, 2025, up from $14.1 million year-over-year, with EPS of $1.64 basic and $1.63 diluted.
Q2 2025 net income was $10.0 million ($0.88 per basic share), up from $8.6 million in Q1 2025 and $7.4 million in Q2 2024, driven by higher net interest and noninterest income, and lower noninterest expense.
Net interest margin improved to 3.70% for the six months and 3.71% for Q2 2025, driven by lower deposit costs and higher yields.
Asset quality remained strong, with nonperforming assets at 0.33% of total assets and net charge-offs annualized at 0.05% for the quarter.
A merger agreement with Glacier Bancorp was announced, expected to close in Q4 2025, with each share to be exchanged for 1.0000 GBCI share.
Financial highlights
Net interest income for the six months was $54.4 million, up 14.6% year-over-year, and $27.7 million in Q2 2025, up 15.8% year-over-year.
Noninterest income increased 7.5% to $10.6 million for the six months and rose 20.9% year-over-year to $5.6 million in Q2 2025, including a $1.0 million lawsuit settlement and $547,000 in swaption losses.
Noninterest expense rose 1.5% to $41.9 million for the six months and was $20.7 million in Q2 2025, with efficiency ratio improving to 62.32% from 72.34% a year ago.
Gross loans increased $33.3 million (1.6%) during Q2 2025 but decreased $73.6 million (3.3%) year-over-year.
Deposits totaled $2.71 billion at June 30, 2025, with noninterest-bearing deposits at 31.6% of total; total deposits increased $4.2 million sequentially and $82.3 million year-over-year.
Outlook and guidance
The merger with Glacier Bancorp is expected to close in Q4 2025, subject to regulatory and shareholder approvals.
Management expects to maintain strong capital and liquidity ratios, stable core deposits and loan levels, and prudent loan growth.
Interest rate risk is actively managed, with simulation models indicating limited impact on net interest income from rate shocks.
Anticipates resolution of a $5.4 million nonaccrual loan in Q3 2025 with minimal losses.
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