Item 1A. Risk Factors

In evaluating an investment in the Companys common stock, investors should consider carefully, among other things, the risk factors previously disclosed under the caption Risk Factors in the Companys Annual Report on Form 10-K for the year ended December 31, 2023, and other risks included in the Companys filings with the SEC. The Companys business could be harmed by any of these risks. The trading price of the Companys common stock could decline due to

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any of these risks, and you may lose all or part of your investment. There have been no material changes in the Companys risk factors from those disclosed in the Companys Annual Report on Form 10-K for the year ended December 31, 2023.

Guaranty Bancshares Inc

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