Hue Townsend, CEO of Guaranty Bank, is pleased to announce that the Board of Directors has approved the promotion of Shelly Capps to Vice President, Mortgage Operation Manager based in Hernando.

Shelly is a U.S. Army veteran, having served as a Finance and Accounting Specialist from 1998 to 2003. She has more than 20 years of experience in the mortgage industry, beginning her career in 2004 as a loan processor. She was promoted to Operations Manager in 2010 and has been a key leader within Guaranty Bank’s Mortgage Division since 2017.

Throughout her career, Shelly has been recognized for her operational expertise, strong leadership, and ability to guide teams through growth and change. She has played a critical role in the redesign and strengthening of Guaranty Bank’s mortgage operations, helping support record growth in recent years while ensuring a consistent, high-quality experience for customers and loan officers alike.

Beyond her professional accomplishments, Shelly is deeply committed to serving her community. She volunteers regularly, with a special passion for animal-related organizations, and fosters both dogs and cats. She also serves as Fundraising Chair for Pals of Paws Society, a local nonprofit organization in northwest Mississippi.

“We are thrilled to promote Shelly Capps to Vice President,” said David Umstead, President of Mortgage Division. “She has been instrumental in the redesign of our mortgage division that has had record growth over the past few years. Our loan officers have complete confidence in the operations team she leads; this promotion is well-deserved.”

About Guaranty Bank & Trust:

Guaranty Bank’s mission is to set the standard in our communities for excellence in financial service products and their delivery, to strengthen the communities we serve, and to help improve the quality of life in those areas; while creating last value for our shareholders, employees, and customers.  Learn more at Personal & Business Banking Services | Guaranty Bank

BELZONI, MS – Hue Townsend, CEO of Guaranty Bank, is pleased to announce that the Board of Directors has approved the promotion of Lynn James to Senior Vice President, Operations Manager, based in Belzoni.

A Belzoni native, Lynn, is a graduate of the University of Mississippi, where she earned her degree with honors. She has nearly 20 years of operations experience and continues to invest in her professional growth as she is currently enrolled in the Mississippi Bankers Association Foundations of Leadership training.

Throughout her career, Lynn has been recognized for her deep operational knowledge, steady leadership, and unwavering commitment to excellence.  Her thoughtful approach, attention to detail, and ability to lead with both confidence and care have played a critical role in strengthening Guaranty Banks’s operational foundation.

Beyond the bank, Lynn is actively involved in her community.  She is a member of the First Presbyterian Church of Belzoni, where she volunteers as a Sunday School teacher. In her spare time, she enjoys reading and lifelong learning.

“Working alongside Lynn James has been a privilege,” said Pam Jones, EVP, Chief Operations Officer at Guaranty Bank.  “Her faith, dedication, vision, and leadership have been instrumental in the success of Guaranty Bank’s Operations.  This promotion not only reflects her remarkable talent, but the passion and perseverance that inspire those around Lynn.  She has a wealth of knowledge and is a positive and encouraging driving force that continues to shape Guaranty Bank’s vision and mission every day.  This promotion is proof that dedication and heart can turn ambition into achievement.”

About Guaranty Bank & Trust:

Guaranty Bank’s mission is to set the standard in our communities for excellence in financial service products and their delivery, to strengthen the communities we serve, and to help improve the quality of life in those areas; while creating last value for our shareholders, employees, and customers.  Learn more at Personal & Business Banking Services | Guaranty Bank

BELZONI, MS – Hue Townsend, CEO of Guaranty Bank, is pleased to announce that the Board of Directors has approved the promotion of Brandy Tominello to Senior Vice President, Retail Credit Manager.

A native of Hollandale, Brandy has more than 26 years of dedicated service to Guaranty Bank. She is a graduate of Deer School, attended Mississippi Delta Community College, and completed the Mississippi School of Banking at the University of Mississippi. She has also completed the American Bankers Association’s Lending Compliance School, further strengthening her expertise in credit and regulatory compliance.

Throughout her career, Brandy has demonstrated strong leadership and a deep commitment to both bank and the communities it serves. She has led numerous training initiatives focused on guiding individuals and families on the path to homeownership and has played a key role in advancing retail loan growth across the organization.

In her role as Senior Vice President, Retail Credit Manager, Brandy will continue to provide strategic leadership with a focus on sound credit administration, fair lending compliance, and exceptional customer service. Brandy and her husband, Dominic, reside in Greenville and have four children.

“Brandy’s commitment to Guaranty Bank, sound judgment, and deep understanding of credit risk make her an invaluable leader,” said Keith Mitchell, EVP and Chief Banking Officer. “She consistently builds trusted relationships across the organization and with our customers. This promotion is well deserved, and I am confident she will continue to grow and make a meaningful impact in this role.”

About Guaranty Bank:

Guaranty Bank’s mission is to set the standard in our communities for excellence in financial service products and their delivery, to strengthen the communities we serve, and to help improve the quality of life in those areas; while creating last value for our shareholders, employees, and customers.  Learn more at Personal & Business Banking Services | Guaranty Bank

BELZONI, MS – Hue Townsend, CEO of Guaranty Bank, is pleased to announce that the Board of Directors has approved the promotion of Doug Capps to Vice President, Mortgage Loan Officer serving the Hernando market.

Originally from Columbus, Mississippi, has been a valued member of the Guaranty Bank mortgage team since 2017.  Throughout his tenure, Doug has built a strong reputation for consistent performance, trusted client relationships, and a commitment to delivering an exceptional mortgage experience.

Doug is actively involved in the local community and professional networks, including BNI MidSouth Partners and as an Affiliate Member of the North Mississippi Association of Realtors. His engagement and relationship-driven approach have played an important role in supporting customers and strengthening Guaranty Bank’s presence in the market.

Doug and his wife, Shelly Capps, who was also recently promoted to Vice President, Mortgage Operations Manager, have worked together in the mortgage industry since 2004. Their combined experience and shared dedication reflect Guaranty Bank’s commitment to collaboration, excellence, and service. Outside of work, Doug enjoys traveling, especially to destinations known for sun and sand.

“Through consistent performance, strong client relationships, and setting the standard for excellence in our organization, Doug has earned this promotion to Vice President,” said Eddie Reed, Vice President and Regional Mortgage Sales Leader at Guaranty Bank.  “I’m confident he will continue to deliver exceptional results for both our clients and our team.”

About Guaranty Bank & Trust:

Guaranty Bank’s mission is to set the standard in our communities for excellence in financial service products and their delivery, to strengthen the communities we serve, and to help improve the quality of life in those areas; while creating last value for our shareholders, employees, and customers.  Learn more at Personal & Business Banking Services | Guaranty Bank

Banking online offers everyday convenience, from checking balances to paying bills on the go. Staying secure is just as important. Safer Internet Day is a reminder that protecting your finances is a shared effort between you and your bank.

At Guaranty Bank, your security is a top priority. We combine trusted technology, ongoing monitoring, and personal service to help protect your information while also giving you tools and guidance to stay informed.

How We Protect Your Accounts

Guaranty Bank offers built in security features through online and mobile banking to help you stay aware of your account activity, including:

• Account alerts that notify you of activity in real time
• Card controls that allow you to turn your debit card on or off at any time
• Travel alerts that let you notify us when you are traveling to help avoid transaction disruptions
• Ongoing monitoring designed to help identify unusual transactions
• Secure online and mobile banking platforms

These tools are designed to give you visibility, flexibility, and peace of mind if something doesn’t look right.

Understanding Legitimate Bank Calls

Knowing how your bank communicates with you is one of the most effective ways to avoid fraud.

If Guaranty Bank calls you first:

• We will not ask for sensitive personal information such as full account numbers, online banking passwords, or one time passcodes.
• We already know who we are calling and are reaching out to help protect your account or confirm activity.

If you call Guaranty Bank first:

• We will follow verification procedures to ensure we are speaking with the correct person.
• This step protects your information and helps prevent unauthorized access.

Understanding the difference can help you recognize legitimate communication and avoid imposters.

Watch for Common Scam Tactics

Scammers often create urgency by asking you to act quickly or share information. Be cautious of unexpected calls, texts, or emails requesting personal or financial details, even if they appear to come from a trusted source.

If something doesn’t feel right, trust your instincts and contact us directly using a verified phone number.

Stay Proactive

Simple habits can add an extra layer of protection, including reviewing transactions regularly, enabling account alerts, using card controls when needed, and keeping your devices up to date.

Your peace of mind matters. This Safer Internet Day and every day, Guaranty Bank is here to help you bank confidently and securely with the support of a trusted local team.

Taking care of your finances is one of the most practical ways to care for your future. Financial confidence isn’t about getting everything right all at once; it’s built over time through simple habits that create stability, flexibility, and peace of mind.

Here are a few everyday habits that can help you feel more confident about where you are and where you are headed.

Build a Safety Net

An emergency savings fund helps prepare you for the unexpected, whether it’s a car repair, medical expense, or temporary change in income. Even small, consistent contributions can add up over time and help reduce financial stress when surprises arise.

Having the right savings account at Guaranty Bank makes it easier to build this habit and keep your funds accessible when you need them.

Make It Automatic

Automating savings and bill payments can remove the pressure of remembering every detail. When your finances work quietly in the background, it becomes easier to stay on track, even during busy seasons of life.

Guaranty Bank online and mobile banking tools can help you manage accounts, monitor balances, and keep your plan moving forward with less effort.

Set Goals That Fit Your Life

Financial goals look different for everyone. You may be planning for a home, a vacation, or simply more breathing room month to month. Clear goals give direction to everyday decisions and help turn long term plans into manageable steps.

Breaking larger goals into smaller milestones can make progress feel more achievable and motivating.

Check In and Adjust

Life changes, and your financial plan should be able to change with it. Regular check ins help ensure your accounts, savings, and goals still align with your priorities.

Reviewing your finances from time to time can uncover opportunities to adjust, simplify, or strengthen your approach as your needs evolve.

A Trusted Partner Along the Way

At Guaranty Bank, we believe financial confidence grows when you have both the right tools and the right people supporting you. Our products and services are designed to meet you where you are, and our local teams are here to offer guidance, answer questions, and help you plan with confidence.

You don’t have to navigate your financial journey alone. We’re here to help you build habits that support today and the future you’re working towards.

Resource Library

Personal Savings Accounts | Guaranty Bank

Mobile Banking | Guaranty Bank

Guaranty Bank Location Near You

This January, Guaranty Bank is partnering with Coats4Kidz in Batesville to help provide warmth to children and families during the winter season. Throughout the month, we will be collecting new and gently used coats at participating Guaranty Bank branches to support neighbors across our communities.

Winter can be especially challenging for families in need, and access to warm outerwear can make a meaningful difference. By donating a coat, you’re helping ensure someone stays warm, comfortable, and cared for during the coldest months of the year.

All donated coats will be distributed through Coats4Kidz, a local organization dedicated to providing winter clothing to children and families throughout the Batesville area and surrounding communities. This partnership allows us to keep donations local and impact those who need it most.

Coat donations will be accepted January 1^st through January 31^st, with clearly marked collection areas available inside participating Guaranty Bank branches. New or gently used coats of all sizes are welcome.

Participating branches include:

• Oxford Jackson
• Oxford University
• Senatobia
• Batesville East
• Batesville West
• Greenwood
• Saltillo
• Fulton Main

At Guaranty Bank, supporting our communities goes beyond banking. We’re proud to partner with organizations like Coats4Kidz and thankful for every customer and community member who helps us turn small acts of generosity into real impact this winter.

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Guaranty Bank Branches Launch Community Toy Drive This December

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Spreading joy across our communities.

This December, several Guaranty Bank branches are coming together to help make the holidays brighter for children and families in need. Our branches are partnering with local organizations to host a Community Toy Drive, inviting customers, neighbors, and friends to donate new, unwrapped toys throughout the month.

At Guaranty Bank, supporting our communities is more than a tradition; it’s who we are. Each year, our branches look for meaningful ways to give back, and this holiday season, we are proud to continue that commitment through a cause that brings joy to so many.

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Participating Branches

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Toy collection boxes will be available at the following GBT locations:

· Tishomingo

· Fulton

· Cleveland

· Greenville Hwy 1

· Belzoni

· Amory

· Calhoun County

· Pontotoc

· Greenwood

· Senatobia

· Starkville

· Batesville East

· Batesville West

· Corinth

· Hollandale

· Booneville

· Hernando

Each participating branch will donate collected items to local charities and community partners who work directly with families in their area, ensuring every gift stays close to home and makes an impact where it’s needed most.

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A Season of Giving, Together

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We are grateful for our customers and communities who show up year after year to support local families. Thank you for helping us make this season a little brighter for children across our communities. If you have questions about the toy drive or want to learn more about how to give, please stop by your nearest participating branch.

Belzoni, MS – Hue Townsend, CEO of Guaranty Bank, is pleased to announce that Jennifer Walker has joined Guaranty Bank as a Mortgage Loan Officer serving the Vicksburg market.

Jennifer approaches every client relationship with genuine care, recognizing that purchasing a home is one of the most important financial decisions most families will ever make. She is committed to providing a smooth experience through clear communication, honest guidance, and loan solutions tailored to each client’s unique goals, whether it’s a first home, refinance, or moving into their next chapter. Jennifer values building long-term relationships and strives to ensure every client feels confident, well-informed, and excited throughout the homebuying journey.

“We are thrilled to welcome Jennifer Walker to the Guaranty Bank mortgage team, said David Umsted, President of the Mortgage Division. “With Jennifer now serving clients in Vicksburg and Ridgeland, we’ve strengthened our presence across Central Mississippi. Her expertise and client-first approach align perfectly with our mission to make home financing faster, easier, and truly local for Mississippi families.”

“We are excited to welcome Jennifer to our team,” said Eddie Reed, VP & Regional Mortgage Sales Manager. “With 15 years of mortgage lending experience in the Vicksburg market, she brings strong relationships, a passion for helping families achieve homeownership, and a track record of being heavily involved in the community. Jennifer is exactly the right fit to represent our clients, our community, and our bank.“

Outside of the office, Jennifer can often be found at the ball field cheering on her children. She is an active member of the Warren County Vicksburg Board of Realtors, the Chamber of Commerce, Rotary, Pi Beta Phi Alumnae, and a proud JAV Life Member.

About Guaranty Bank:
Guaranty Bank is rooted in community and built on relationships. We’re here to offer personalized financial solutions with a hometown touch. Whether you’re opening your first account, buying a home, or growing a business, we’re proud to be the bank you can count on gbtonline.com.

Guaranty Bank has identified a series of fraudulent phone calls targeting customers. These calls originate from individuals who are impersonating Guaranty Bank employees and using spoofed phone numbers, including numbers belonging to our call center. Their goal is to obtain sensitive financial or login information.

This activity is not isolated and appears to be part of a broader fraud attempt. We are sharing the following details to ensure all customers understand how this scheme works and how to protect your accounts.

What Is Happening

Fraudsters are using technology to spoof Guaranty Bank phone numbers, including our call center line. This means a call may appear to come from a legitimate Guaranty Bank number even though it does not. During these calls, the individual claims to be from Guaranty Bank and may say they are attempting to “verify activity” on your account or services. The caller will be persistent.

The caller’s objective is to gather critical information such as:

• Online banking usernames and passwords
• Verification codes
• Company or account details
• Authorized user information
• Payment activity or transaction details

Sharing this information can provide criminals access to accounts and potentially lead to unauthorized transactions or account compromise.

How to Protect Your Account

To help prevent fraud, please follow these guidelines:

• Do not share any login information with anyone who calls unexpectedly.
• Do not provide verification codes, PINs, passwords, or one-time passcodes under any circumstances.
• If something feels unusual, end the conversation immediately.
• Call your Cash Management representative or Relationship Banker directly using a known, verified phone number.
• Never rely on caller ID alone. Spoofed numbers can appear legitimate.

These steps apply to both business and consumer accounts.

What To Do If You Receive a Suspicious Call

If you believe you have received a fraudulent call:

1. Hang up immediately.
2. Contact Guaranty Bank using the phone number on our official website or your Cash Management documentation.
3. Report the incident so our team can assist you with next steps and account monitoring.

Our Commitment to Your Security

Guaranty Bank continues to monitor this activity and take steps to protect our customers from fraud. We encourage all customers to remain alert and to contact us with any concerns. Protecting your financial information is our highest priority.

Additional Consumer Protection Resources

National Consumer Week: Protect Yourself from Fraud