Guaranty Bancshares, Inc. serves as a holding company for Guaranty Bond Bank, formally known as Guaranty Bank, and for Talco State Bank. The Company offers a full range of commercial loan products, including term loans, lines of credit, fixed-asset loans, real estate loans and working capital loans. The Company offers consumers a full range of personal loan products, including automobile loans, home improvement loans, consumer loans and mortgage loans. The Company also has various deposit products, including a Premier Money Market Account that pays a rate competitive with most brokerage investment accounts.