For the eighth consecutive year, Guaranty Bank & Trust has been named “One of the Best Companies to Work for in Texas” by Texas Monthly magazine as well as being named Best Bank to Work for in 2016 by American Banker. Additionally, Texas Banker's Association has honored the bank with the Cornerstone Award for its 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 Chief Executive Officer 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 serves on all the key operational committees of the bank.
During his 30-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, 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 America Bankers Association'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 serves on 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 in Dallas.
Lee offices in the Bryan/College Station market.
Chuck Cowell - Vice Chairman
Chuck Cowell is the Dallas Area Market Chairman for Guaranty's banking operations in the DFW Metroplex and serves as an advisory member of the Bank's Board of Directors. He also supervises the Mortgage Lending, Mortgage Warehouse, Treasury Management, and Loan Review divisions as well as serves on all the key operational committees of the bank. Previously, Cowell 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 in Dallas.
Cowell offices in the Dallas market.
Cappy Payne - Senior Executive Vice President & Chief Financial Officer
Cappy Payne is 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 over 30 years of executive financial experience, Payne oversees Guaranty Bank & Trust's divisions in Accounting, Human Resources, and Marketing. He chairs or serves on 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 with 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.
Martin Bell - Executive Vice President & Chief Operations Officer
Martin Bell is Executive Vice President and serves as an advisory member of the Bank's Board of Directors. Bell has commercial, real estate, and consumer lending responsibilities as well as administrative oversight of several East Texas bank locations and the bank’s operations. He leads the bank’s Strategic Planning process and Merger and Acquisition integrations. He also chairs or serves on all the 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, he graduated with Honors from the Southwestern Graduate School of Banking in Dallas.
Bell offices in the Mt. Pleasant market.
Randy Kucera - Executive Vice President & General Counsel
Randy Kucera is the bank’s General Counsel and serves as an advisory member of the Bank's Board of Directors. He also serves as Executive Vice President and General Counsel for Guaranty Bancshares, Inc. Prior to joining Guaranty Bank & Trust in 2013, he was a partner in the litigation section of the Akin Gump Strauss Hauer and Feld law firm in Dallas. And before joining the law firm, he was an assistant district attorney in the Dallas County District Attorney’s Office.
In his 30-year legal career, Mr. Kucera has focused on complex commercial litigation, including a wide variety of contract, antitrust, lender liability, business tort, intellectual property, and insurance matters. He served as the litigation partner in charge of Akin Gump’s commercial mortgage-backed securities (CMBS) litigation practice which handled complex commercial real estate litigation involving institutional lenders, financial service companies, conduit lenders, and master and special services.
He graduated summa cum laude with a B.A. in Political Science in 1979 from Vanderbilt University and earned his J.D. in 1983 from Yale Law School. He is a member of the State Bar of Texas and is admitted to practice before the U.S. Supreme Court, the U.S. Courts of Appeals for the 5th and 7th Circuits, and the U.S. District Courts for the Northern, Southern, Eastern, and Western Districts of Texas.
Kucera offices in the Mt. Pleasant market.
Hal Lower - Executive Vice President
Hal Lower is Executive Vice President of Guaranty Bank & Trust, serves as an advisory member of the Bank's Board of Directors, and is an advisory member of the Director’s Loan Committee. Lower has an extensive accounting background that supports his credit and lending duties. With administrative oversight of Guaranty Bank & Trust's Bowie County and Cass County locations, he also chairs or serves on all the key operational committees of the bank. Additionally, Lower has oversight of the Trust and Wealth Management department.
Lower has over 28 years experience in the financial services industry. 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.
Danny Muskrat - Executive Vice President & Chief Information Officer
Danny Muskrat is Executive Vice President and Chief Information Officer and serves as an advisory member of the Bank's Board of Directors. Muskrat has experience in digital channel growth, operations, network infrastructure, system conversions, data processing, and information security. He chairs the Technology Committee and the Business Intelligence Committee in addition to oversight of the Deposit Services, Data Processing, Internet Banking, and IT departments of the bank. Muskrat chairs or serves on most of the 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 in Business Administration from Baylor University.
Muskrat offices in the Mt. Pleasant market.
Robin Sharp - Executive Vice President
Robin Sharp is Executive Vice President and is an advisory member of the Bank's Board of Directors. In addition to commercial lending responsibilities, he has administrative oversight of the Titus County bank locations and he supervises the bank’s Regulatory Compliance, Risk Management, and Loan Operations divisions. Sharp chairs or 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 the Southwestern Graduate School of Banking in Dallas where he graduated with Honors in 2007.
Sharp offices in the Mt. Pleasant market.