Guardian Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Guardian Savings Bank of West Chester, OH against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.94% | 1.43% | +0.51% | 85th top |
| ROAE | 16.88% | 12.50% | +4.38% | 80th top |
| Net Interest Margin | 2.95% | 3.84% | -0.89% | 13th bottom |
| Efficiency Ratio | 48.06% | 58.88% | -10.82% | 80th top |
| PPNR / Avg Assets | 1.94% | 1.78% | +0.16% | 65th above |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.63% | 5.71% | -0.08% | 56th above |
| Cost of Funds | 2.98% | 2.03% | +0.95% | 8th bottom |
| Net Interest Spread | 2.42% | 3.18% | -0.76% | 18th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.20% | 0.97% | -0.77% | 82nd top |
| NPA / Total Assets | 0.15% | 0.75% | -0.60% | 80th top |
| NCO / Avg Loans | -0.00% | 0.31% | -0.31% | 87th top |
| ACL / Total Loans | 1.05% | 1.25% | -0.20% | 36th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 536.00% | 699.02% | -163.02% | 83rd top |
| Texas Ratio | 1.26% | 7.17% | -5.91% | 84th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.39% | 11.60% | -0.21% | 67th above |
| Equity / Assets | 11.33% | 11.33% | +0.00% | 66th above |
| TCE / Tangible Assets | 11.33% | 10.65% | +0.68% | 76th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 88.99% | 86.35% | +2.64% | 48th below |
| Core Deposit Ratio | 90.57% | 85.55% | +5.02% | 60th above |
| Uninsured Deposit Ratio | 13.70% | 32.73% | -19.03% | 93rd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.47% | 10.46% | -6.99% | 38th below |
| Loan Growth (Y/Y) | 1.48% | 8.00% | -6.52% | 25th below |
| Deposit Growth (Y/Y) | 3.62% | 7.98% | -4.36% | 42nd below |
See Guardian Savings Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Guardian Savings Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Guardian Savings Bank profile, how to read a UBPR, or how this data updates.