GUARDIAN SAVINGS BANK

WEST CHESTER, OH | Large | Est. Jan. 1, 1895, midnight | FDIC #27998 | RSSD #727174 | FDIC
Latest Report: 2025-12-31

GUARDIAN SAVINGS BANK is aln large FDIC-insured commercial bank headquartered in WEST CHESTER, OH, established in Jan. 1, 1895, midnight. As of 2025-12-31, the bank reported total assets of $1.4B and total deposits of $1.2B. Profitability stands at 1.58% ROA and 13.84% ROE, with a net interest margin of 3.01%. The bank's CET1 capital ratio is 10.09%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.26% and a Texas Ratio of 1.75%. FDIC Certificate #27998.

Assets

$1.4B

Deposits

$1.2B

Loans

$1.1B

Equity

$156M

Profitability

Return on Assets (ROA) 1.58%
Return on Equity (ROE) 13.84%
Net Interest Margin (NIM) 3.01%
Yield on Assets 6.01%
Cost of Funds 3.75%

Asset Quality

NPL Ratio 0.26%
Net Charge-Off Ratio -0.01%
Texas Ratio 1.75%
NPA Ratio 0.22%
ACL / Loans 1.01%

Capital & Liquidity

CET1 Ratio 10.09%
Tier 1 Capital 10.09%
Total Capital Ratio 10.59%
Leverage Ratio 11.48%
Loan-to-Deposit 94.66%

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