2024 Overview
General Bank Information
Guardian Bank is an FDIC insured institution located in Valdosta, GA. It was founded in 2001 and has approximately $0.56 billion in assets. Customers can open an account at one of its 4 branches.
| FDIC Insured | Yes |
| FDIC Certificate | # 57127 |
| Date Established | 2001 |
| Assets | $ 564.72 million |
| Loans | $ 362.43 million |
| Deposits | $ 501.95 million |
| Capital | $ 37.38 million |
For a more detailed analysis of Guardian Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.
Deposit Rates - November 5, 2024
Your Current Location: Ohio, OH 43085
Loan Rates - November 5, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Guardian Bank
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Monthly Payment |
Learn More |
|---|---|---|---|---|
NMLS ID: 2262032 License#: RM.804810.000 |
6.368% |
6.250% 0.75 points $4,000 fees |
$1,971 | Learn More |
NMLS ID: 1835285 |
6.380% |
6.250% 0.88 points $4,400 fees |
$1,971 | Learn More |
NMLS ID: 2578474 |
6.482% |
6.375% 0.75 points $3,610 fees |
$1,997 | Learn More |
NMLS ID: 401822 |
6.818% |
6.625% 1.00 points $6,400 fees |
$2,049 | Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR
7.490 %
After Intro: 7.490 % |
$0 |
Learn More
More Info |
Achieve Loans See Table |
Intro APR
9.250 %
After Intro: 9.250 % |
$0 |
Learn More
More Info |
Note to Guardian Bank
To upload and update your bank's rates please register.
It is free to register and add rates.
Branches
Guardian Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Guardian Bank Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 598.83 | A | View Lobby Hours | |
| 627.85 | B | View Lobby Hours | |
| 629.36 | C | View Lobby Hours | |
| 631.83 | D | View Lobby Hours |
Climate Policy and Initiatives
Guardian Bank is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.
Add Your Review
or use your BestCashCow account
or
Financial Details
Guardian Bank Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Guardian Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.
Texas Ratio
| Guardian Bank | U.S. Bank Average |
|---|---|
| 17.19% | 4.48% |
The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.
As of June 30, 2024, Guardian Bank had $6,027,000 in non-current loans and $1,344,000 in owned real estate. To cover these potential losses it had $37,384,000 in equity and $5,490,000 in loans loss reserves. That gives it a Texas Ratio of 17.19%.
Return on Equity
| Guardian Bank | U.S. Bank Average |
|---|---|
| 13.34% | 10.46% |
Guardian Bank has a Return on Equity of 13.34% versus the BestCashCow average of 10.46%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.
Capitalization
| Guardian Bank | U.S. Bank Average |
|---|---|
| 6.62% | 10.84% |
Guardian Bank has a Capitalization of 6.62% versus the BestCashCow average of 10.84. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.
Guardian Bank Balance Sheet Analysis
As of June 30, 2024, Guardian Bank had assets of $564,715,000, loans of $362,432,000, and deposits of $501,953,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.
Summary Balance Sheet
June 30, 2024| ASSETS | |
|---|---|
| Cash & Balances due from depository institutions | $ 24.91 million |
| Interest-bearing balances | $ 17.29 million |
| Total securities | $ 159.64 million |
| Federal funds sold and reverse repurchase | N.A. |
| Net loans and leases | $ 362.43 million |
| Loan loss allowance | $ 5.49 million |
| Trading account assets | N.A. |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | $ 1.34 million |
| Goodwill and other intangibles | N.A. |
| All other assets | $ 8.61 million |
| Total Assets | $ 527.33 million |
| LIABILITIES | |
|---|---|
| Total deposits | $ 501.95 million |
| Interest-bearing deposits | $ 413.52 million |
| Deposits held in domestic offices | $ 501.95 million |
| % insured (estimated) | 57.52% |
| Federal funds purchased and repurchase agreements | N.A. |
| Trading liabilities | N.A. |
| Other borrowed funds | N.A. |
| Subordinated debt | N.A. |
| All other liabilities | $ 1.43 million |
| Total Liabilities | $ 527.33 million |
| Shareholders’ Equity | $ 37.38 million |
Summary Income Statement
June 30, 2024| INCOME AND EXPENSES | |
|---|---|
| Total Interest Income | $ 13.44 million |
| Total Interest Expense | $ 6.45 million |
| Net interest income | $ 6.99 million |
| Provision for loan and lease losses | $ 0.16 million |
| Total non interest income | $ 0.81 million |
| Total non interest expense | $ 5.24 million |
| Pre-tax Net Operating Income | $ 3.75 million |
Bank Loan Profile?
The top three loan types in Guardian Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Commercial and Industrial Loans.
Compared to other banks in Georgia, Guardian Bank has a significantly higher percent of Multifamily Mortgages on its balance sheet, potentially indicating a specialty in that lending area.
Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.
| % Loans |
% Comparison to Other Banks |
|||
|---|---|---|---|---|
| Low | Med | High | ||
| 1-4 Family Residential Loans | 19.45 | ✓ | ||
| Multifamily Mortgages |
9.13 | ✓ | ||
| Credit Card Loans | 0.00 | ✓ | ||
| Consumer Auto Loans | 0.55 | ✓ | ||
| Small Business Loans | 9.71 | ✓ | ||
| Construction and Development Loans | 8.42 | ✓ | ||
| Commercial Real Estate | 33.41 | ✓ | ||
| Commercial and Industrial Loans | 10.30 | ✓ | ||
| Farm Loans | 0.31 | ✓ | ||
Customer Reviews for Guardian Bank
A
August 21, 2019
Guardian bank is the worst company I’ve ever try to do business with me and my husband went to them for a refinance the lender submitted a application for a loan that was not fitting the needs we wanted we ask him multiple times to give us several options so we could choose what would work for us he only submitted one and it was the worst loan for us Ihe didn’t even care or listen to our needs at all I called the bank in Lexington to speak with him he was rude and said he would have to call me back it was 20 minutes before they closed at 5 I still didn’t hear back from him so I called back and a lady answered the phone I ask for the lender and she rudely said I don’t think he’s here we are closing down for the day I said it’s 435 you don’t close until 5 and she rudely said hold on she put me through and he picked and he was totally trying to tell me what to do and being Sarcastic about it I was shocked how I was treated all I’m saying is I’m trying to bring money to your bank and this is how I’m treated I will take my business else where I will spreed the word Do not go to GB you deserve no rating !!!!
Is this review helpful? Yes:2 / No: 0
Add Your Review
or use your BestCashCow account