Guaranty Bancshares, Inc. Asset Resilience Ratio

Latest as of June 2025: 11.70%

Guaranty Bancshares, Inc. asset resilience ratio. Guaranty Bancshares, Inc. (GNTY) has an Asset Resilience Ratio of 11.70% as of June 2025. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing. See GNTY defensive asset coverage days to measure how many days the company can operate on defensive assets alone.

Liquid Assets

$367.93 Million

Cash + Short-term Investments

Total Assets

$3.14 Billion

All company assets

Resilience Assessment

Moderate

Financial Resilience Level

Asset Resilience Ratio of Guaranty Bancshares, Inc. (2000–2024)

Asset resilience ratio of Guaranty Bancshares, Inc. from 2000 to 2024. This chart shows how Guaranty Bancshares, Inc.'s Asset Resilience Ratio has changed over time. Read GNTY current and long-term liabilities for a breakdown of total debt and financial obligations.

Liquid Assets Composition Over Time

This chart breaks down Guaranty Bancshares, Inc.'s liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. For the complete balance sheet picture, see Guaranty Bancshares, Inc. asset portfolio.

Current Liquid Assets Breakdown

Component	Amount	% of Total Assets
Cash & Equivalents	$0.00	0%
Short-term Investments	$367.93 Million	11.7%
Total Liquid Assets	$367.93 Million	11.70%

Asset Resilience Insights

Moderate Liquidity: Guaranty Bancshares, Inc. has 11.70% of assets in liquid form.
While adequate for normal operations, this level may limit flexibility during economic stress.
The company has significant short-term investments, indicating active treasury management.

Guaranty Bancshares, Inc. Industry Peers by Asset Resilience Ratio

Compare Guaranty Bancshares, Inc.'s asset resilience ratio with other companies in the same industry.

Company	Industry	Asset Resilience Ratio
Societe Generale S.A. PA:GLE	Banks - Regional	11.25%
Itau Unibanco Banco Holding SA NYSE:ITUB	Banks - Regional	3.55%
Spar Nord Bank CO:SPNO	Banks - Regional	-3.96%
Bank of Guiyang Co Ltd SHG:601997	Banks - Regional	-0.78%
Qingdao Rural Commercial Bank Corp Class A SHE:002958	Banks - Regional	-13.48%
Bank Ina Perdana PT JK:BINA	Banks - Regional	-30.89%
Bank Rakyat Indonesia Agroniaga JK:AGRO	Banks - Regional	8.38%
Bank Agris Tbk JK:AGRS	Banks - Regional	1.98%

Guaranty Bancshares, Inc. Asset Resilience Ratio by Year (2000–2024)

Guaranty Bancshares, Inc. asset resilience ratio by year from 2000 to 2024. The table below shows the annual Asset Resilience Ratio data for Guaranty Bancshares, Inc..

Year	Asset Resilience Ratio (%)	Liquid Assets	Total Assets	Change
2024-12-31	1.91%	$59.57 Million	$3.12 Billion	-4.25pp
2023-12-31	6.16%	$196.19 Million	$3.18 Billion	+0.52pp
2022-12-31	5.64%	$188.93 Million	$3.35 Billion	-5.45pp
2021-12-31	11.09%	$342.21 Million	$3.09 Billion	-2.80pp
2020-12-31	13.89%	$380.80 Million	$2.74 Billion	+4.72pp
2019-12-31	9.17%	$212.72 Million	$2.32 Billion	-1.10pp
2018-12-31	10.28%	$232.97 Million	$2.27 Billion	-1.56pp
2017-12-31	11.84%	$232.37 Million	$1.96 Billion	+3.26pp
2016-12-31	8.58%	$156.93 Million	$1.83 Billion	-7.64pp
2015-12-31	16.22%	$272.94 Million	$1.68 Billion	+14.55pp
2004-12-31	1.67%	$9.07 Million	$541.97 Million	+1.38pp
2002-12-31	0.30%	$1.53 Million	$517.97 Million	+0.32pp
2000-12-31	-0.03%	$-103.00K	$411.03 Million	--

pp = percentage points

About Guaranty Bancshares, Inc.

NYSE:GNTY USA Banks - Regional

Market Cap

$553.20 Million

Market Cap Rank

#11412 Global

#2958 in USA

Share Price

$48.75

Change (1 day)

+0.00%

52-Week Range

$48.75 - $48.75

All Time High

$52.33