Guardian Savings Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 127.75 percentage points lower than in Q1 2026, at 536.00%. On return on assets, Guardian Savings Bank ranks 14th highest among the 156 banks headquartered in Ohio, at 1.94% (Q2 2026). Guardian Savings Bank's return on assets of 1.94% is well above the 1.28% median for banks in the $1B-10B asset tier, a gap of 0.66 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.39% |
| Equity capital to assets | 11.33% |
| Tangible equity to tangible assets | 11.33% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.20% |
| Non-performing assets ratio | 0.15% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 1.26% |
| Allowance for credit losses to loans | 1.05% |
| Reserve coverage of non-performing loans | 536.00% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.94% |
| Return on equity | 16.88% |
| Net interest margin | 2.95% |
| Efficiency ratio | 48.06% |
| Yield on earning assets | 5.63% |
| Cost of funds | 2.98% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 88.99% |
| Core deposits to total deposits | 90.57% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.18% |
| Securities to assets | — |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 13.59% | 1.51% | 2.32% | 0.19% | 0.00% |
| Q4 2023 | 13.39% | 0.89% | 2.32% | 0.18% | -0.00% |
| Q1 2024 | 12.84% | 1.02% | 2.13% | 0.25% | -0.03% |
| Q2 2024 | 12.95% | 1.04% | 2.22% | 0.24% | -0.14% |
| Q3 2024 | 12.11% | 1.53% | 2.25% | 0.21% | -0.00% |
| Q4 2024 | 11.87% | 0.97% | 2.33% | 0.18% | -0.00% |
| Q1 2025 | 11.42% | 1.37% | 2.37% | 0.46% | -0.01% |
| Q2 2025 | 11.46% | 1.45% | 2.60% | 0.44% | -0.01% |
| Q3 2025 | 11.36% | 2.27% | 2.75% | 0.34% | -0.01% |
| Q4 2025 | 11.48% | 1.58% | 2.84% | 0.26% | -0.00% |
| Q1 2026 | 11.68% | 2.05% | 2.92% | 0.16% | -0.00% |
| Q2 2026 | 11.39% | 1.94% | 2.95% | 0.20% | -0.00% |
Guardian Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Guardian Savings Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)