This institution is no longer active

Operations ceased on August 21, 2009. CRA examination history below reflects the period it was active.

GUARANTY BANK

AUSTIN, TX · Supervised by OTS

Est. 1988FDIC #32,618

Outstanding Same

Current rating · Exam: December 2007

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Is this bank safe?

GUARANTY BANK earned an Outstanding CRA rating (2007).

Institution Profile

FDIC BankFind

Address

1300 South Mopac Expressway, AUSTIN, TX

County

Travis County

Established

September 30, 1988

Total Assets

$13.5B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

December 28, 2007

Exam Type

Large Bank

Regulator

OTS

What is a CRA rating? →

⚠️This exam is 18 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Download Evaluation Report (PDF)

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2023	377	78.25%	4.24%
2021	1,209	85.19%	2.32%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Regional bank avg: 18.70% · above-average shown in red

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Dec 2007	Outstanding	Large Bank
Sep 2004	Outstanding	Large Bank
Mar 2001	Outstanding	Large Bank

4 previous ratings locked — back to 1991

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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