Guaranty Bancorp (formerly Centennial Bank Holdings) knows a thing or two about dollars and cents. After all, it's the holding company for Colorado's Guaranty Bank and Trust, which operates about 35 branches, primarily in the metropolitan Denver and Northern Front Range areas. Placing an emphasis on customer service, it offers traditional retail and commercial banking, including deposit accounts, loans, and trust services. Residential and commercial mortgages and commercial and industrial loans (with a focus on the energy sector) make up most of the company's portfolio. The bank also originates construction, consumer, and agricultural loans, and home equity lines of credit.