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Guardian Savings Bank
West Chester, OH · FDIC Certificate #27998 · Chartered 01/0
Total assets
$1.39B
Total deposits
$1.23B
Total equity
$158.03M
Net loans
$1.08B
Branches (offices)
13
Net income (YTD)
$13.77M
Rank: #789 of 4,213 U.S. banks by assets · #27 of 155 in Ohio. Assets changed 3.5% and deposits 3.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.00% |
| Return on equity | 17.42% |
| Net interest margin (YTD) | 2.99% |
| Equity to assets | 11.33% |
| Tier 1 leverage ratio | 11.39% |
| Uninsured deposits (share of deposits) | 13.7% |
| Noncurrent loans (share of loans) | 0.20% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 88.1% |
| Real estate loans (share of loans) | 101.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.09B | 101.1% | |
| Commercial & industrial | $0 | 0.0% | |
| Consumer / individual | $0 | 0.0% | |
| Construction & development | $30.49M | 2.8% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.11B | $955.66M | $5.90M | $145.02M |
| Jun 2023 | $1.05B | $896.73M | $9.47M | $148.78M |
| Jun 2024 | $1.23B | $1.08B | $5.95M | $149.18M |
| Jun 2025 | $1.35B | $1.19B | $9.48M | $155.24M |
| Jun 2026 | $1.39B | $1.23B | $13.77M | $158.03M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Ohio | $695.43M | 7 |
| Kentucky | $534.45M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.23B.
Similar-sized banks
Farmers & Merchants Bank ($1.40B) · Ulster Savings Bank ($1.39B)
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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