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Guardian Bank
Valdosta, GA · FDIC Certificate #57127 · Chartered 05/0
Total assets
$597.90M
Total deposits
$524.35M
Total equity
$52.66M
Net loans
$359.44M
Branches (offices)
5
Net income (YTD)
$4.60M
Rank: #1,556 of 4,213 U.S. banks by assets · #29 of 123 in Georgia. Assets changed 5.5% and deposits 2.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.54% |
| Return on equity | 17.73% |
| Net interest margin (YTD) | 3.43% |
| Equity to assets | 8.81% |
| Tier 1 leverage ratio | 11.55% |
| Uninsured deposits (share of deposits) | 43.2% |
| Noncurrent loans (share of loans) | 1.49% |
| Net charge-offs (share of loans) | 0.03% |
| Loans to deposits | 68.5% |
| Real estate loans (share of loans) | 90.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $323.95M | 90.1% | |
| Commercial & industrial | $35.43M | 9.9% | |
| Consumer / individual | $4.17M | 1.2% | |
| Construction & development | $55.84M | 15.5% | |
| Agricultural | $1.57M | 0.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $539.12M | $505.72M | $3.75M | $31.97M |
| Jun 2023 | $525.72M | $486.89M | $3.14M | $33.02M |
| Jun 2024 | $564.72M | $501.95M | $2.41M | $37.38M |
| Jun 2025 | $566.74M | $509.42M | $4.02M | $45.07M |
| Jun 2026 | $597.90M | $524.35M | $4.60M | $52.66M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Georgia | $524.35M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $524.35M.
Similar-sized banks
The Citizens Bank Of Georgia ($598.51M) · Hatboro Federal Savings, Fa ($597.77M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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