Guardian Savings Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Compared with Q1 2026, Equity capital to average assets fell 0.29 percentage points in Q2 2026 to 11.39%, the biggest move on this page.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.39% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $158.0M |
| Tier 1 capital | $158.0M |
| Total risk-based capital | — |
| Total equity capital | $158.0M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.33% |
| Tangible equity to tangible assets | 11.33% |
| Equity capital to average assets | 11.39% |
| Internal capital growth rate | -5.98% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $157K |
| Common stock surplus | $2.0M |
| Retained earnings | $155.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 13.59% | 13.41% | 13.41% |
| Q4 2023 | 13.39% | 13.05% | 13.05% |
| Q1 2024 | 12.84% | 12.53% | 12.53% |
| Q2 2024 | 12.95% | 12.09% | 12.09% |
| Q3 2024 | 12.11% | 11.96% | 11.96% |
| Q4 2024 | 11.87% | 11.71% | 11.71% |
| Q1 2025 | 11.42% | 11.36% | 11.36% |
| Q2 2025 | 11.46% | 11.52% | 11.52% |
| Q3 2025 | 11.36% | 11.40% | 11.40% |
| Q4 2025 | 11.48% | 11.48% | 11.48% |
| Q1 2026 | 11.68% | 11.61% | 11.61% |
| Q2 2026 | 11.39% | 11.33% | 11.33% |
Guardian Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Guardian Savings Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Guardian Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27998) · FFIEC NIC profile (RSSD 727174)