The development and use of artificial intelligence presents risks and challenges that may adversely impact the Company’s business
Sees AI as a riskDetail: GeneralNew this year
Similar wording appears in 24 other banks' reports.
Guaranty Bancshares Inc
TX · Mid-size bank ($1B to $50B)
Total assets of FDIC-insured bank subsidiaries: $3.1B at the end of 2024
Filings on the SEC website · This bank on Bankgraph
In short. In its 2024 annual report, Guaranty Bancshares Inc mentions AI in 3 passages. It lists AI as a risk, but the report does not say how AI is controlled.
In the 2024 annual reportThe yearly report a listed company files with the SEC, called a 10-K. It describes the business, its risks and its results.
Mentions AI
Yes
3 passages
Highest detail levelHow specific a passage is about AI at this bank. General: could be in any bank's report. Names an area: says where AI is used or how it is controlled. Concrete example: names a tool or vendor, gives a number, a date or a result.
General
What it says
Sees AI as a risk
Kinds of AI named
Generative AI, Machine learning
How AI is controlled
Not described
AI in its annual reports over time
- What this shows
- How many passages about AI each annual report contains, 2022 to 2024, by what they say.
- What it means
- 0 passages in 2022, 3 passages in 2024.
- How to read it
- Each bar is a report year, split by what the passages say. Hover or tap a bar for the count.
- Where it comes from
- Banks' annual reports (10-K) filed with the SEC, up to 6 Oct 2026. How we did this
Show as a table
| Report year | Using or planning AI | Explains how AI is controlled | Sees AI as a risk | Other mentions |
|---|---|---|---|---|
| 2022 | ||||
| 2022 | ||||
| 2022 | ||||
| 2022 | ||||
| 2023 | ||||
| 2023 | ||||
| 2023 | ||||
| 2023 | ||||
| 2024 | ||||
| 2024 | ||||
| 2024 | ||||
| 2024 |
Compared with banks of its size
- What this shows
- This bank's 2024 annual report next to all 230 banks of its size ($1B to $50B).
- What it means
- Its most specific passage is "General"; for banks of its size the typical level is "General".
- How to read it
- Yes or no for this bank; the share of banks of the same size for comparison.
- Where it comes from
- Banks' annual reports (10-K) filed with the SEC, up to 6 Oct 2026. How we did this
| In the 2024 report | This bank | Banks of its size |
|---|---|---|
| Using AI now | No | 10 of 230 (4%) |
| Explains how AI is controlled | No | 21 of 230 (9%) |
| Sees AI as a risk | Yes | 144 of 230 (63%) |
| Mentions generative AI | Yes | 70 of 230 (30%) |
| Mentions AI agents | No | 0 of 230 (0%) |
What changed from 2023
3 passages new in the 2024 report, 0 passages from the 2023 report no longer there. The most specific passage is more detailed than last year.
Every passage about AI
- What this shows
- All 3 passages about AI in this bank's annual reports, quarterly reports and earnings materials since 2023, newest first.
- What it means
- 0 passages say the bank is using AI now.
- How to read it
- Highlighted words are the terms that matched. Labels show what each passage says. Follow the link to read it in the filing.
- Where it comes from
- Banks' annual reports (10-K), quarterly reports (10-Q) and earnings materials (8-K) filed with the SEC. How we did this
Annual report, report year 2024 filed 14 Mar 2025
The development and use of artificial intelligence presents risks and challenges that may adversely impact the Company’s business.
Sees AI as a riskDetail: GeneralNew this year
Similar wording appears in 24 other banks' reports.
The Company or its third-party (or fourth-party) vendors, clients or counterparties may develop or incorporate artificial intelligence (“AI”) technology in certain business processes, services, or products. The development and use of AI presents a number of risks and challenges to the Company’s business. The legal and regulatory environment relating to AI is uncertain and rapidly evolving, both in the U.S. and internationally, and includes regulatory schemes targeted specifically at AI as well as provisions in intellectual property, privacy, consumer protection, employment, and other laws applicable to the use of AI. These evolving laws and regulations could require changes in the Company’s implementation of AI technology and increase the Company’s compliance costs and risk of non-compliance. AI models, particularly generative AI models, may produce output or take action that is incorrect, that reflects biases included in the data on which they are trained, that results in the release of private, confidential, or proprietary information, that infringes on the intellectual property rights of others, or that is otherwise harmful. In addition, the complexity of many AI models makes it difficult to understand why they are generating particular opinions. This limited transparency increases the challenges associated with assessing the proper operation of AI models, understanding and monitoring the capabilities of the AI models, reducing erroneous output, eliminating bias, and complying with regulations that require documentation or explanation of the basis on which decisions are made. Further, the Company may rely on AI models developed by third parties, and, to that extent, would be dependent in part on the manner in which those third parties develop and train their models, including risks arising from the inclusion of any unauthorized material in the training data for their models and the effectiveness of the steps these third parties have taken to limit the risks associated with the output of their models, matters over which the Company may have limited visibility. Any of these risks could expose the Company to liability or adverse legal or regulatory consequences and harm the Company’s reputation and the public perception of its business or the effectiveness of its security measures.
Sees AI as a riskDetail: GeneralMachine learningGenerative AINew this year
Similar wording appears in 28 other banks' reports.