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Guaranty Bancshares, Inc. (GNTY) Q3 2022 Earnings Call Transcript

Oct. 17, 2022 1:07 PM ETGuaranty Bancshares, Inc. (GNTY)
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Guaranty Bancshares, Inc. (NYSE:GNTY) Q3 2022 Earnings Conference Call October 17, 2022 11:00 AM ET

Company Participants

Ty Abston - Chairman & CEO

Cappy Payne - Senior Executive Vice President & CFO

Shalene Jacobson - EVP & Chief Financial Officer of the Bank

Conference Call Participants

Brad Milsaps - Piper Sandler

Matt Olney - Stephens

Michael Rose - Raymond James

Brady Gailey - KBW


Good morning, and welcome to the Guaranty Bancshares' Third Quarter 2022 Earnings Call. My name is Nona Branch, and I will be your operator for today's call. This call is being recorded. After the prepared remarks, there will be a Q&A session.

Our host for today's call will be Ty Abston, Chairman and Chief Executive Officer of the Company; Cappy Payne, Senior Executive Vice President and Chief Financial Officer of the Company; Shalene Jacobson, Executive Vice President and Chief Financial Officer of the Bank.

To begin our call, I will now turn it over to our CEO, Ty Abston.

Ty Abston

Thank you, Nona. Good morning, everyone. Welcome to our third quarter call. As reported in our press release, we -- our company did experience strong growth for the quarter, and good financial results. We outlined that we, like everyone, are anticipating a downturn in the economy starting in Q4 and in ‘23. But we do think Texas will remain resilient in this downturn and our company, we think, is also well positioned for any economic downturn we see going forward. We do have several slides to kind of walk through, and then at a high level, we'll kind of detail some of the main areas of the company. Then we'll open it up to Q&A. Cappy?

Cappy Payne

Okay. Thank you, Ty. I'll read some of the highlights of both the balance sheet and the income statement

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