Board of Directors
Letter to Shareholders
Prior Year Highlights
Executive Management Team
For the last three years, Guaranty Bond Bank has been ranked #2 in American Banker magazine’s annual list of the Top 200 Performing Community Banks in the United States. For a third consecutive year, Guaranty has been named “One of the Best Companies to Work for in Texas” by
. For many years, ICBA has named Guaranty one of the top performing community banks in the country, and placed the institution in the Top 50 Community Bank Leaders in Social Media and the Top 20 Community Banker Influencers on Twitter.
Such recognition of our bank reflects the strong corporate strategy for Guaranty Bond Bank. The Executive Management Team responsible for developing and executing this corporate strategy includes individuals with extensive experience in the financial industry.
Ty Abston - Chairman of the Board & CEO
Ty Abston is Chairman of the Board and CEO of Guaranty Bond Bank, as well as its parent company, Guaranty Bancshares, Inc. He is also Chairman of the Executive Committee of the Board, a member of the Director’s Loan Committee, and either chairs or is a member of all the key operational committees of the bank.
During his 26-year banking career, Abston has demonstrated strong skills in bank management, strategic planning, and mergers & acquisitions. In addition to oversight of the commercial lending and loan portfolio divisions, he chairs the bank’s Investment Committee, managing $400 million in securities for the bank. He has served on the boards of the Federal Home Loan Bank of Dallas and Independent Bankers Association of Texas, and currently is on the board of Texas Security Bank in Dallas. In addition to serving on various past boards including Mt. Pleasant Habitat for Humanity, Mt.
Pleasant Industrial Foundation and the Titus County Child Welfare Board, Abston continues to support numerous local charities and causes.
Abston received his bachelor’s degree in Finance from the University of North Texas and his MBA in Finance from Texas A&M University–Texarkana. He is a graduate of ABA’s National Commercial Lending School.
Kirk Lee - President & Chief Credit Officer
Kirk Lee has over 30 years of experience in banking. Currently serving as President and Chief Credit Officer of Guaranty Bond Bank, and as President of its parent company Guaranty Bancshares, Inc., Lee is also chairman of the Director’s Loan Committee and a member of the Executive Committee. He served the Arkansas State Banking Department as a Bank Examiner Supervisor, and worked a number of years in commercial lending and management at another community bank prior to joining Guaranty in 1992 as President of the bank’s Paris location. Responsible for the bank’s day-to-day operations, Lee chairs or is a member of all the key operational committees of the bank.
He holds a B.A. in Business Administration from Ouachita Baptist University as well as graduated from the Southwestern Graduate School of Banking. Outside the bank Lee serves on the Titus Regional Medical Foundation Board, Mount Pleasant Country Club Board, and various church committees.
Cappy Payne - Chief Financial Officer/Senior Executive Vice President
Cappy Payne serves as the Senior Executive Vice President and Chief Financial Officer for Guaranty Bond Bank and its parent company Guaranty Bancshares, Inc. He started with the bank in 1984 as a Credit Analyst, advancing to Senior Loan Officer, Controller, and Investment Officer. He has served as a director of the bank and holding company since 1995.
With almost 30 years of executive financial experience, Payne oversees Guaranty’s divisions in accounting, deposit services, technology, and marketing. He chairs or is a member of all the key operational committees of the bank. During his tenure as CFO, Guaranty went public in 1998, was listed on the Nasdaq Stock Exchange, and then returned in 2005 to a private entity. Guaranty Bancshares Inc. is currently a privately held company.
Payne serves on the Board of Managers for Titus Regional Medical Center and is the secretary on the Executive Committee. He is a Deacon and Treasurer of First Baptist Church Mt. Pleasant, an Ambassador for the Mt. Pleasant Chamber of Commerce, and Treasurer and Board member of Mt. Pleasant CASA. He has served as a board member of Lake Country Casa-Sulphur Springs, Titus County Child Welfare Board, and Azleway Boys Ranch-Tyler. He is the past President of the Optimist Club, Mt. Pleasant Athletic Booster Club, and the Mt. Pleasant Chamber of Commerce.
In 1980, Payne began his career at Oakerson & Arnold PC, a Regional CPA Firm, becoming a certified public accountant in 1985 after joining Guaranty. Payne holds a BBA in Accounting from Baylor University.
Hal Lower - Executive Vice President
Hal Lower is Executive Vice President of Guaranty Bond Bank, serves on the Board of the Bank and Holding company, and is a member of the Director’s Loan Committee and Executive Committee. Lower has an extensive accounting background that supports his credit and lending duties.
With administrative oversight of Guaranty’s five Bowie County locations, he serves on all of the key operational committees of the bank.
Lower serves on the Board of Directors for the local Salvation Army and for the Texarkana Symphony Orchestra; he is also Treasurer for the Texarkana Country Club Board of Directors.
Lower has 20 years experience in banking. In addition to being a licensed CPA, he holds a Bachelor’s Degree in Accounting from Texas A&M University in College Station.
Martin Bell - Executive Vice President
Martin Bell is Executive Vice President and serves on the board of Guaranty Bond Bank. He also serves as Senior Vice President of the parent company, Guaranty Bancshares, Inc.
Bell has commercial, real estate, and consumer lending responsibilities as well as administrative oversight of 12 bank locations and the bank’s mortgage division. He leads the bank’s Strategic Planning process and M&A integrations. He chairs the bank’s Management Team, Integration Team, and New Product Committees, and serves on all key operational committees of the bank
He also serves on the Board of Directors of the Southwestern Automated Clearing House Association, is Chairman of the Mt. Pleasant Chamber of Commerce and supports various local causes.
Bell has 30 years of experience in banking. He holds a BBA in Finance from Texas Christian University and graduated from Texas Tech Intermediate and Advanced Schools of Banking. In 1991, Bell graduated with Honors from the Southwestern Graduate School of Banking in Dallas.
Robin Sharp - Executive Vice President
Robin Sharp is Executive Vice President and is an Advisory member of the Board of Directors. In addition to commercial lending responsibilities, he supervises the bank’s regulatory compliance and risk management divisions. Sharp serves on all key operational committees of the bank.
Sharp has 29 years experience in banking. He earned his Bachelor’s degree from Texas Tech University, attended the American British College in Barcelona, Spain, and continued his education at Southwestern Graduate School of Banking. Sharp graduated with Honors from the Southwestern Graduate School of Banking in 2007.
Randy Kucera - Executive Vice President and General Counsel
Randy Kucera serves as General Council and is an Advisory member of the Board of Directors. Prior to joining Guaranty in 2013, he was a partner in the litigation division of Akin & Gump law firm in Dallas. Prior to that he was an assistant district attorney in the Dallas County District Attorney’s Office.
In his 30-year legal career, Kucera focused on complex commercial litigation, including a wide variety of contract, antitrust, lender liability, ERISA, environmental, business tort, intellectual property, and insurance matters. He most recently served as the litigation partner in charge of the firm’s commercial mortgage-backed securities (CMBS) litigation practice, which handles complex commercial real estate litigation involving institutional lenders, financial service companies, conduit lenders, and master and special servicers.
Kucera has been a speaker at various continuing education seminars in Texas on the subjects of litigation and civil procedure. He has published articles on the subject of litigating claims in mortgage and asset-backed securities matters, including recent publications in the American Bar Association Real Estate Litigation newsletter and the Mortgage and Asset-Backed Securities Litigation Handbook.
He graduated summa cum laude with a B.A. in Political Science in 1979 from Vanderbilt University, where he was a Harold Sterling Vanderbilt distinguished scholar and received the Alexander Heard Award as the top graduate in his major. He earned his J.D. in 1983 from Yale Law School, where he received the Thurman Arnold Award as the outstanding oral advocate in the Yale Moot Court competition. He is a member of the State Bar of Texas, the Dallas Bar Association, and the Texas Association of Defense Counsel. He is admitted to practice before the U.S. district courts for the Northern, Southern, Eastern, and Western districts of Texas and the U.S. Court of Appeals for the 5th and 7th circuits.
Guaranty Bond Bank, N.A.
Equal Housing Lender
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