GUARDIAN BANK

VALDOSTA, GA | Medium | Est. May 1, 2001, midnight | FDIC #57127 | RSSD #2989006 | FDIC
Latest Report: 2025-12-31

GUARDIAN BANK is amn medium FDIC-insured commercial bank headquartered in VALDOSTA, GA, established in May 1, 2001, midnight. As of 2025-12-31, the bank reported total assets of $591M and total deposits of $525M. Profitability stands at 1.50% ROA and 17.31% ROE, with a net interest margin of 3.55%. The bank's CET1 capital ratio is 8.59%. Asset quality metrics show a non-performing loan ratio of 1.63% and a Texas Ratio of 11.64%. FDIC Certificate #57127.

Assets

$591M

Deposits

$525M

Loans

$367M

Equity

$51M

Profitability

Return on Assets (ROA) 1.50%
Return on Equity (ROE) 17.31%
Net Interest Margin (NIM) 3.55%
Yield on Assets 5.63%
Cost of Funds 2.10%

Asset Quality

NPL Ratio 1.63%
Net Charge-Off Ratio 0.02%
Texas Ratio 11.64%
NPA Ratio 1.11%
ACL / Loans 1.55%

Capital & Liquidity

CET1 Ratio 8.59%
Tier 1 Capital 8.59%
Total Capital Ratio 9.02%
Leverage Ratio 11.06%
Loan-to-Deposit 69.83%

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