Guardian Savings Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Loans held for sale: 23.6% lower than in Q1 2026, at $32.6M. Guardian Savings Bank ranks 53rd of 156 Ohio banks on loan-to-deposit ratio, in the upper half at 88.99% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio; Guardian Savings Bank reported 88.99% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.09B |
| Net loans and leases | $1.08B |
| Loans held for sale | $32.6M |
| Loans to total assets | 78.47% |
| Loan-to-deposit ratio | 88.99% |
| Net loans to equity capital | 6.85% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 3.18% |
| Multifamily (5+ residential) | 2.27% |
| Commercial and industrial | 0.00% |
| Consumer | 0.00% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 53.20% |
| Construction concentration (Tier 1 capital + allowance) | 17.99% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.06% |
| Interest income on loans | $16.6M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $954.0M | $932.3M | 4.10% | 0.00% | 0.00% |
| Q4 2023 | $971.9M | $976.1M | 3.88% | 0.00% | 0.00% |
| Q1 2024 | $987.9M | $1.03B | 3.73% | 0.00% | 0.00% |
| Q2 2024 | $1.05B | $1.08B | 3.40% | 0.00% | 0.00% |
| Q3 2024 | $1.08B | $1.12B | 3.11% | 0.00% | 0.00% |
| Q4 2024 | $1.08B | $1.16B | 3.09% | 0.00% | 0.00% |
| Q1 2025 | $1.07B | $1.18B | 3.80% | 0.00% | 0.00% |
| Q2 2025 | $1.08B | $1.19B | 3.55% | 0.00% | 0.00% |
| Q3 2025 | $1.14B | $1.19B | 3.40% | 0.00% | 0.00% |
| Q4 2025 | $1.13B | $1.20B | 3.41% | 0.00% | 0.00% |
| Q1 2026 | $1.09B | $1.22B | 3.26% | 0.00% | 0.00% |
| Q2 2026 | $1.09B | $1.23B | 3.18% | 0.00% | 0.00% |
Guardian Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Guardian Savings Bank, freeSource: Call Report Schedule RC-C, 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)