GUARDIAN BANK
VALDOSTA, GEORGIA · FDIC Cert #57127
Capital & Safety Analysis
According to FDIC financial data, GUARDIAN BANK holds a Tier 1 capital ratio of 14.44%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning GUARDIAN BANK has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
GUARDIAN BANK shows strong financial health indicators. With $565M in assets and a Health Score of 84/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
GUARDIAN BANK has a Bank Health Score of A (84/100). It holds a Tier 1 capital ratio of 14.44%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
GUARDIAN BANK holds $565M in total assets and $502M in total deposits. It is located in VALDOSTA, GEORGIA (FDIC Certificate #57127).
GUARDIAN BANK has a Tier 1 capital ratio of 14.44%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 1.64%, and the return on assets is 0.86%.
Yes. GUARDIAN BANK is FDIC-insured (Certificate #57127). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.