---
schema_version: "secwatch.filing_event.v1"
accession: "0000950170-25-059655"
form_type: "8-K"
ticker: null
cik: "0001058867"
company_name: "GUARANTY BANCSHARES INC /TX/"
filed_at: "2025-04-29T23:59:59+00:00"
generated_at: "2026-05-23T03:21:21.049007+00:00"
event_type: "debt"
sentiment: "neutral"
materiality_score: 0.5
calibrated_materiality_score: 0.5
confidence: "high"
source: SEC EDGAR
---

# Guaranty Bancshares renews $25M unsecured line of credit with Frost Bank to March 2026

## Summary
- Renewed $25 million revolving line of credit with Frost Bank, maturing March 31, 2026.
- No outstanding balance on the line as of renewal date.
- Interest at Wall Street Journal prime rate, with 3.50% floor, payable quarterly.
- Line is unsecured; company agreed not to pledge Guaranty Bank & Trust stock without Frost consent.

## SEC filing metadata
- accession: 0000950170-25-059655
- form_type: 8-K
- cik: 0001058867
- company_name: GUARANTY BANCSHARES INC /TX/
- filed_at: 2025-04-29T23:59:59+00:00
- event_type: debt
- sentiment: neutral
- materiality_score: 0.5
- calibrated_materiality_score: 0.5
- confidence: high
- sec_items: 2.03, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1058867/000095017025059655/0000950170-25-059655-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1058867/000095017025059655/gnty-20250331.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000950170-25-059655
- JSON: https://secwatch.observer/filing/0000950170-25-059655.json
- Plain text: https://secwatch.observer/filing/0000950170-25-059655.txt

## Key facts
- Debt Financings
  GUARANTY BANCSHARES INC /TX/ incurred revolving credit of $25,000,000 with Frost Bank at prime rate published in the Wall Street Journal; provided, however, in no event maturing March 31, 2026.
  - Instrument: revolving credit
  - Principal: $25,000,000
  - Counterparty: Frost Bank
  - Rate: prime rate published in the Wall Street Journal; provided, however, in no event
  - Maturity: March 31, 2026
  - Event: incurrence
  source text: On March 31, 2025, Guaranty Bancshares, Inc., (“Guaranty”) and Frost Bank extended Guaranty’s right to request and receive monies from Frost Bank on Guaranty’s existing line of credit until March 31, 2026. On that date, Guaranty executed and delivered to Frost Bank a Renewal Revolving Promissory Note in the principal amount of $25,000,000
  evidence_url: https://www.sec.gov/Archives/edgar/data/1058867/000095017025059655/0000950170-25-059655-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.