Q4 2023 Guaranty Bancshares Inc Earnings Call Transcript
Good morning. Welcome to Guaranty Bancshares' fourth-quarter 2023 earnings call. My name is Nona Branch, and I will be your operator for today's call. I want to remind everyone today's call is being recorded. (Operator Instructions)
And our host for our call today will be Ty Abston, Chairman and CEO; Shalene Jacobson, Executive Vice President and CFO. To begin our call. I will turn it over to our CEO, Ty Abston.
Thank you, Nona. Good morning, everyone. Welcome to our fourth-quarter 2023 earnings call. I'm coming to you from a chilly Mount Pleasant, which is 15 degrees. And Shalene and Cappy are in Addison where it's warmer at 16 degrees.
So just to recap, our year for last year, as I've done the last few quarters, we did have a good year with acceptable results. Our margin is improving. We did see margin compression throughout the year like a lot of banks did. That seems to have bottomed out after Q2 during the
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