Hal Lower

Hal Lower is the Executive Vice President at Guaranty Bank & Trust. Hal has over 20 years of experience in the banking industry. Prior to joining Guaranty Bank & Trust, Hal served as the Senior Vice President at Century Bank from 2001 to 2009. In this role, they were responsible for lending money. From 1989 to 1999, Hal was a partner at Battle, Lower & Associates, a public accounting firm where they oversaw overall operations, prepared tax returns, and prepared financial statements for corporate clients. Hal is a highly experienced and respected leader in the banking industry.

Hal Lower completed a Bachelor of Business Administration (BBA) in Accounting from Texas A&M University.

Hal Lower reports to Ty Abston, CEO. They work with Cappy Payne - Senior Executive Vice President and Chief Financial Officer, Robin Sharp - Executive Vice President, and Danny Muskrat - Executive Vice President and Chief Information Officer.