Guardian Savings Bank
West Chester, Ohio · FDIC Cert #27998
This is the FDIC profile for Guardian Savings Bank, an FDIC-insured bank (Certificate #27998) with $1.2B in total assets and $1.1B in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in West Chester, Ohio, the bank maintains a Tier 1 capital ratio of 12.95% (Well-Capitalized) and a nonperforming loan ratio of 0.24%. BankHealthData assigns a composite Health Grade of B (71/100) based on quarterly FDIC filings. All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Guardian Savings Bank (FDIC cert 27998) is a mid-sized bank with $1.2B in total assets and $1.1B in deposits, based in West Chester, Ohio. Mid-sized banks typically operate regionally with a mix of commercial and consumer lending.
Capital position is strong: Tier 1 capital ratio of 12.95% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is clean: non-performing loan ratio of 0.24% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is thin: 12.0% liquid-asset ratio. Banks with thin liquidity buffers can face stress during deposit-outflow events or asset-quality shocks.
Profitability is solid: ROA of 1.01% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. Guardian Savings Bank carries a composite BankHealth grade of B (71/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Guardian Savings Bank
- Total Assets
- $1.2B
- Total Deposits
- $1.1B
- Tier 1 Capital Ratio
- 12.95%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.24%
- Liquidity Ratio
- 12.04%
- Return on Assets
- 1.01%
- Headquarters
- West Chester, Ohio
- FDIC Certificate
- #27998
- Health Grade
- B (71/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
Guardian Savings Bank files quarterly Call Reports with the FDIC under Certificate #27998. The figures on this page reflect the Q2 2024 Call Report, which is the most recent FDIC filing currently available. Historical filings and Uniform Bank Performance Reports (UBPR) are accessible directly from the FDIC BankFind directory and the FFIEC Central Data Repository.
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Capital & Safety Analysis
According to FDIC financial data, Guardian Savings Bank holds a Tier 1 capital ratio of 12.95%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Guardian Savings Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Guardian Savings Bank shows strong financial health indicators. With $1.2B in assets and a Health Score of 71/100, 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.
How Guardian Savings Bank Compares
Guardian Savings Bank’s Health Score of 71 is 9 points below the Ohio state average of 80 across 144 FDIC-insured banks. Its 12.95% Tier 1 capital ratio is 1.0 points below the US banking industry average near 14%. The 0.24% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 1.01% is below the national ROA benchmark of ~1.1%. Among 885 similarly-sized banks, the average Health Score is 78, meaning this bank ranks below its size cohort. Site-wide, Guardian Savings Bank is 9 points below the portfolio average of 80.
Frequently Asked Questions
Guardian Savings Bank has a Bank Health Score of B (71/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 12.95%, 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.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Guardian Savings Bank's Tier 1 capital ratio of 12.95% and nonperforming loan ratio of 0.24% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Guardian Savings Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #27998). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Guardian Savings Bank holds $1.2B in total assets and $1.1B in total deposits. It is headquartered in West Chester, Ohio (FDIC Certificate #27998).
Guardian Savings Bank's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #27998 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
Guardian Savings Bank has a Tier 1 capital ratio of 12.95%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.24%, and the return on assets is 1.01%.
Yes. Guardian Savings Bank is FDIC-insured (Certificate #27998). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Guardian Savings Bank's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.