Guardian Savings Bank
BankRegReports is independent of Guardian Savings Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Guardian Savings Bank is an FDIC-insured savings bank headquartered in West Chester, OH, established in 1895 (FDIC certificate 27998), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.39B, up 3.5% from Q2 2025, the 27th largest of 154 banks headquartered in Ohio. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.39% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 27998
- Headquarters
- West Chester, OH
- Established
- 1895
- Total assets, Q2 2026
- $1.39B
- Assets vs Q2 2025
- +3.5%
- Tier 1 leverage ratio, Q2 2026
- 11.39%
- Domestic offices
- 13 FDIC institution directory, current count
- Routing number
- 242071509
- Latest call report
- Q2 2026, FFIEC 051 · Guardian Savings Bank call report
- Holding company
- GUARDIAN BANCORP, INC
- Asset rank in state
- 27th of 154 in Ohio
Guardian Savings Bank pays more for its money than most banks of its size. Based in West Chester, Ohio, it had $1.4 billion in assets at June 30, 2026, up 3.5% from a year earlier. It pays an average of 2.98% on its deposits and borrowings, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 2.01%). On the other hand, it holds commercial real estate loans worth 0.5 times its capital, a small fraction of the median of 2.2 times for banks its size.
Earnings jumped: net income for the quarter was $6.7 million, 37% above the same quarter a year earlier. Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.20% of loans from 0.44%. Its margin is thin by comparison: it keeps 2.95 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.71 cents).
As of June 30, 2026, Guardian Savings Bank reported a return on assets of 1.94%, a nonperforming-loan ratio of 0.20% and a Texas ratio of 1.26%. The figures come from its call report filed with the FFIEC.
Guardian Savings Bank ranks as the 27th largest of the 154 banks based in Ohio, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 0.9% to $1.39B, loans rose 0.1% and deposits rose 1.2%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 91.8% of total loans, ahead of non-owner-occupied commercial real estate loans at 3.2%. The FDIC Summary of Deposits lists 13 offices for it, in 7 cities across 2 states; its Cincinnati 6 offices book 48% of its branch deposits. On its Q2 2026 call report, Guardian Savings Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 6100 W Chester Rd, West Chester, OH 45069
- County
- Butler
- Metro Area
- Cincinnati, Oh-KY-In
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- —
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1895
- Former names
- Guardian Savings Bank, A Federal Savings Bank (1990-2020)
- Domestic offices
- 13 FDIC institution directory, current count
- Employees (FTE)
- 178
- Domestic deposits
- $1.23B
- Allowance for credit losses
- $11.4M
- Net charge-offs (YTD)
- -$13K
- Average total assets
- $1.39B
- Average total loans
- $1.10B
- Average interest-bearing deposits
- $1.13B
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 27998
- Fed RSSD
- 727174
- Website
- www.guardiansavingsbank.com →
- Parent Holding Company
- GUARDIAN BANCORP, INC (RSSD 3827927)
- Ultimate Parent
- BECK FAMILY TRUST (RSSD 3828018)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Guardian Savings Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Guardian Savings Bank's total assets ranged from $1.08B (Q3 2023) to $1.39B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.39B total assets against $1.35B; $1.24B total liabilities against $1.19B.
$1.08B net loans and leases against $1.07B; $1.23B total deposits against $1.19B.
$0 securities against $0; $256.3M cash and balances due against $229.4M.
$19.0M total interest income against $18.3M; $9.1M total interest expense against $9.7M.
$9.9M net interest income against $8.6M.
$3.0M total noninterest income against $2.2M; $6.2M total noninterest expense against $5.8M.
No provision recorded in the last 12 quarters.
$6.7M net income against $4.9M.
1.94% return on assets against 1.45%; 2.95% net interest margin against 2.60%.
11.39% tier 1 leverage ratio against 11.46%.
Inside the full Guardian Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeGuardian Savings Bank rankings
Its closest position to the top of a national ranking is 557 of 3,611, for ROA; its furthest is 906 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.97% (Q4 2024) to 2.27% (Q3 2025) and its net interest margin ran from 2.25% (Q3 2024) to 2.95% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.39% | 1.94% | 0.20% | 1.26% | 2.95% |
| Q1 2026 | 11.68% | 2.05% | 0.16% | 1.00% | 2.92% |
| Q4 2025 | 11.48% | 1.58% | 0.26% | 1.75% | 2.84% |
| Q3 2025 | 11.36% | 2.27% | 0.34% | 2.42% | 2.75% |
| Q2 2025 | 11.46% | 1.45% | 0.44% | 2.94% | 2.60% |
| Q1 2025 | 11.42% | 1.37% | 0.46% | 3.03% | 2.37% |
| Q4 2024 | 11.87% | 0.97% | 0.18% | 1.19% | 2.33% |
| Q3 2024 | 12.11% | 1.53% | 0.21% | 1.39% | 2.25% |
Swipe the table sideways to see every column.
Branch Network
View all 13 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Colerain Ave Branch | Cincinnati , OH | 45239 | $174.6M |
| 5511 Harrison Ave Branch | Cincinnati , OH | 45248 | $121.9M |
| 5671 Springdale Rd Branch | Cincinnati , OH | 45251 | $118.8M |
| Ohio Pike Branch | Cincinnati , OH | 45255 | $113.5M |
| Lexington Branch | Lexington , KY | 40503 | $106.2M |
| Fort Thomas Branch | Fort Thomas , KY | 41075 | $106.0M |
| Kyles Lane Branch | Fort Wright , KY | 41011 | $104.1M |
| Guardian Savings Bank (main office) | West Chester , OH | 45069 | $101.8M |
| Florence Branch | Florence , KY | 41042 | $97.5M |
| Louisville Branch | Louisville , KY | 40220 | $67.1M |
| Lexington - Hamburg Branch | Lexington , KY | 40509 | $53.6M |
| Cincinnati Branch | Cincinnati , OH | 45246 | $49.6M |
| Kennedy Heights Branch | Cincinnati , OH | 45213 | $15.3M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 1, 1983 | Structure Change | Acquired The Antonio Savings and Loan Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 31, 1976 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in OH, rank 52 of 184 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 3,262 applications, 2,310 loans originated, $669.5M originated, across 17 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- Enforcement actions, SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Guardian Savings Bank’s latest filed figures and updates each quarter.
Similar banks
Compare Guardian Savings Bank with peers
Frequently asked about Guardian Savings Bank
What are Guardian Savings Bank's total assets?
As of the Q2 2026 filing, Guardian Savings Bank reported total assets of $1.39 billion in its FFIEC call report.
Where is Guardian Savings Bank headquartered?
It is headquartered in West Chester, OH, United States.
When was Guardian Savings Bank founded?
It was established in 1895, per the FDIC institution directory.
Is Guardian Savings Bank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #27998). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Guardian Savings Bank?
Guardian Savings Bank's primary federal regulator is the FDIC.
How many branches does Guardian Savings Bank operate?
It operates 13 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Guardian Savings Bank's Texas Ratio?
Its Texas Ratio is 1.26% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Guardian Savings Bank previously called?
The charter now named Guardian Savings Bank has also operated as Guardian Savings Bank, A Federal Savings Bank (1990-2020), per FDIC structure-change records.
Go deeper on Guardian Savings Bank.
Get an email when Guardian Savings Bank files its next call report, and benchmark it against any peer you choose.
Unlock Guardian Savings Bank, freeFree account