The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

From Q2 2025 to Q2 2026, the score rose 5 points (60 → 65), mostly because the loan quality component improved by 8 points.

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size banks in Georgia

Yes. Guardian Bank is an FDIC-insured institution (FDIC certificate #57127). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 43.2% of deposits ($226.3M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.55%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 18.62% (benchmark: 10%).

Check how much of your own balance is covered

Guardian Bank lists 4 offices in 3 cities. Most locations:

• Valdosta, GA (2)
• Pearson, GA (1)
• Pelham, GA (1)

All branch addresses and map

In 2025, Guardian Bank reported 160 home-loan applications under HMDA (LEI 254900ZWDLZRZ1IY7113): 152 originated ($50,650,000 total), 2 denied, and 4 withdrawn or closed by the applicant. Its denial rate on decided applications was 1.3%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

Guardian Bank

Type

State-chartered bank

FDIC certificate #

57127

RSSD ID

2989006

Primary regulator

FDIC

Holding company

Wb&t Bankshares Inc

Established

May 1, 2001

Headquarters

701 Wildwood Plantation Dr, Valdosta, GA 31602

Website

www.guardian.bank

Employees

48