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 working capital ratio to evaluate short-term liquidity relative to the company's equity base.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2000–2024)
This chart shows how Guaranty Bancshares, Inc.'s Asset Resilience Ratio has changed over time. For the complete balance sheet picture, see GNTY total asset value.
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. Explore Guaranty Bancshares, Inc. (GNTY) investment intensity to see how much of total assets are deployed in long-term investments.
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 |
|---|---|---|
|
Bendigo and Adelaide Bank Ltd
AU:BEN |
Banks - Regional | -3.55% |
|
Qingdao Rural Commercial Bank Corp Class A
SHE:002958 |
Banks - Regional | -13.48% |
|
First Mid Illinois Bancshares Inc
NASDAQ:FMBH |
Banks - Regional | 12.77% |
|
Banco Mercantil do Brasil S.A
SA:BMEB3 |
Banks - Regional | -18.66% |
|
Southern California Bancorp Common Stock
NASDAQ:BCAL |
Banks - Regional | 7.67% |
|
Bank Rakyat Indonesia Agroniaga
JK:AGRO |
Banks - Regional | 8.38% |
|
Banco Hipotecario SA
BA:BHIP |
Banks - Regional | 4.67% |
|
Merkur PrivatBank KgaA
XETRA:MBK |
Banks - Regional | 0.00% |
Annual Asset Resilience Ratio for Guaranty Bancshares, Inc. (2000–2024)
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 | -- |
About Guaranty Bancshares, Inc.
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 for small- and medium-sized businesses, professionals, and individuals. The company offers checking and savings, money market, and business accounts, as well as certificates of deposit; and commercial and industrial, construc… Read more