Guaranty Bancorp is a bank holding company. The Company�s principal business is to serve as a holding company for its bank subsidiary, Guaranty Bank and Trust Company (Guaranty Bank or Bank). Guaranty Bank is a full-service community bank offering a range of banking products and services to the communities it serves, including accepting time and demand deposits and originating commercial loans (including energy loans), real estate loans, small business and consumer loans. The Bank also provides trust services, including personal trust administration, estate settlement, investment management accounts and self-directed individual retirement accounts (IRAs). In August 2012, Guaranty Bank or Bank acquired Private Capital Management, Inc.