Chuck Lincavage

Chris Richards is a Senior Vice President, Commercial Lender in Texarkana. He earned his degree in Business and Communications from St Edwards College in Austin, TX and has attended the Southwestern Graduate School of Banking – Commercial Lending Program at Southern Methodist University. Before beginning his banking career, over 10 years ago, Chris owned his own transportation company. Chris has been very involved in his community with the Alzheimer’s Alliance, CASA, Texas A & M University – Texarkana Eagle Impact, and Susan G. Komen Foundation. He currently serves as the treasurer for Texarkana Country Club Board of Directors. Outside of work, Chris enjoys golf with family and he and his wife, Lauren, stay busy with their two children, Frannie and Sutton.

Robert Irwin earned a bachelor's degree in finance from Texas Tech University and also graduated from the Southwestern Graduate School of Banking at SMU. He has 25 years of banking and lending experience. Robert joined Guaranty Bank & Trust in 2001, serving as the President of the Texarkana Market since 2009. He has a passion for community banking in Bowie County where he is a community leader in economic development, civic organizations, and his church.

Guaranty Bank & Trust is one of the oldest community banks in Texas. We provide our customers with a full array of relationship-driven commercial and consumer banking products and services, as well as mortgage, trust, and wealth management services. Guaranty Bank & Trust has 30 banking locations across 24 Texas communities located within the East Texas, Dallas/Fort Worth, greater Houston and Central Texas regions of the state.