Our common stock is listed on the NASDAQ Global Select Market under the symbol "GNTY." In 2018, we entered the Houston MSA through our acquisition of Westbound Bank. Our culture is one of employee ownership and it is something we take very seriously. 8226; Pursue Strategic Acquisitions. We also seek to cross-sell deposit products at loan origination. Further changes effected by the passage of EGRRCPA are discussed below. Regulatory Restrictions on Dividends; Source of Strength. As a national bank's capital decreases, the OCC's enforcement powers become more severe. Restrictions on Distribution of Bank Dividends and Assets. At December 31, 2020, the Bank had $24.9 million available for payment of dividends. 16 ITEM 1A. RISK FACTORS Investing in our common stock involves a high degree of risk. 8226; We may be adversely affected by changes in U.S. tax laws. As a result, COVID-19 could still impact significantly more households and businesses. The market value of real estate can fluctuate significantly in a short period of time. To date, no reform proposal has been enacted. Any failure to adequately manage this transition could adversely impact our reputation. Success in the trust and wealth management business is highly dependent on reputation. These laws and regulations are not intended to protect our shareholders. We could be adversely affected by the soundness of other financial institutions.