For a sixth consecutive year, Guaranty Bank & Trust has been named “One of the Best Companies to Work for in Texas” by Texas Monthly magazine. For many years, Independent Community Bankers of America has named Guaranty Bank & Trust one of the top performing community banks in the country, and recently the Texas Banker's Association honored the bank with the Cornerstone Award for it's efforts in the betterment of the communities we serve.
Such recognition of our bank reflects the strong corporate strategy for Guaranty Bank & Trust. 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 & Chief Executive Officer
Ty Abston is Chairman of the Board and CEO of Guaranty Bank & Trust, 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 27-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 Texas Security Bank in Dallas.
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.
Abston maintains dual offices in the Dallas and Mt. Pleasant markets.
Kirk Lee - Vice Chairman & Chief Credit Officer
Kirk Lee has over 30 years of experience in banking. Currently serving as Vice Chairman and Chief Credit Officer of Guaranty Bank & Trust, and as President of its parent company Guaranty Bancshares, Inc. Lee also chairs the Director’s Loan Committee and is 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. 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.
Lee offices in the Bryan/College Station market.
Cappy Payne - Chief Financial Officer & Senior Executive Vice President
Cappy Payne serves as the Senior Executive Vice President and Chief Financial Officer for Guaranty Bank & Trust and its parent company Guaranty Bancshares, Inc. and is a member of the Executive Committee. 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 Bank & Trust'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 Bank & Trust 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.
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 and is a licensed CPA.
Payne offices in the Dallas market.
Hal Lower - Executive Vice President
Hal Lower is Executive Vice President of Guaranty Bank & Trust, 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 Bank & Trust's five Bowie County locations, he serves on most of the key operational committees of the bank.
Lower has over 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.
Lower offices in the Texarkana market
Martin Bell - Executive Vice President
Martin Bell is Executive Vice President and serves on the board of Guaranty Bank & Trust. Bell has commercial, real estate, and consumer lending responsibilities as well as administrative oversight of 20 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.
Bell has over 30 years 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.
Bell offices in the Mt. Pleasant market.
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 over 30 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.
Sharp offices in the Mt. Pleasant market.
Danny Muskrat - Executive Vice President & Chief Technology Officer
Danny Muskrat serves as Executive Vice President and Chief Technology Officer and is an Advisory member of the Board of Directors. Muskrat has 16 years of banking experience in digital channel growth, M&A, operations, network infrastructure, system conversions, data processing, and information security. He chairs the Technology Committee and the Business Intelligence Committee in addition to serving on other key operational committees of the bank.
Muskrat earned a Bachelor’s Degree in Business Administration with a major in Information Systems Management and a Master’s Degree of Business Administration from Baylor University in Waco, Texas.
Muskrat offices in the Mt. Pleasant market.
Chuck Cowell - Dallas Market Chairman
Chuck Cowell will become the Dallas Market Chairman for Guaranty's banking operations in the DFW Metroplex. Cowell has served as President and CEO of Preston State Bank and its parent company DCB Financial Corp. in Dallas since September 2009. He has over 40 years of industry experience; having served in Executive Officer positions for both privately held and publicly traded institutions in Midland, Graham, Abilene and Houston markets.
Cowell received his undergraduate degree in Finance from Texas Tech University and is a graduate of the National Installment Lending School in Norman, Oklahoma and the Southwestern Graduate School of Banking at Southern Methodist University, Dallas, Texas.
Cowell offices in the Dallas market.
Randy Kucera - Executive Vice President & General Counsel
Randy Kucera serves as General Council and is an Advisory member of the Board of Directors. He also serves as Executive Vice President and General Council for Guaranty Bancshares, Inc. Prior to joining Guaranty Bank & Trust 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.
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.
Kucera offices in the Mt. Pleasant market.