TellerScore

Guardian Savings Bank (FDIC certificate #27998) is based in West Chester, Ohio. Its Q2 2026 call report shows $1.4B in total assets and $1.2B in deposits and 13 offices across 2 states.

Guardian Savings Bank has a TellerScore of 83 out of 100 (strong) based on Q2 2026 data — higher than 94% of its 897 banks with $1 billion – $10 billion. Among 157 banks headquartered in Ohio, it ranks 18th. Earnings contributes the most (100/100, 2.00%); capital cushion contributes the least (64/100, 11.39%).

TellerScore · Q2 2026

Scorecard

Capital cushion64/100
Tier 1 leverage ratio: 11.39%
Loan quality93/100
Noncurrent loans ÷ total loans: 0.20%
Earnings100/100
Return on assets (annualized): 2.00%
Funding & liquidity72/100
Loans ÷ deposits and uninsured-deposit share: 88.1% · 13.7% uninsured
Problem-loan coverage97/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.26%

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.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 7 points (76 → 83), mostly because the earnings component improved by 23 points.

TellerScore
768084Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202478
Q3 202478
Q4 202477
Q1 202576
Q2 202576
Q3 202578
Q4 202579
Q1 202684
Q2 202683
Tier 1 leverage ratio
5.00%8.98%12.95%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202412.95%
Q3 202412.11%
Q4 202411.87%
Q1 202511.42%
Q2 202511.46%
Q3 202511.36%
Q4 202511.48%
Q1 202611.68%
Q2 202611.39%
Noncurrent loans
0.16%0.31%0.46%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.24%
Q3 20240.21%
Q4 20240.18%
Q1 20250.46%
Q2 20250.44%
Q3 20250.34%
Q4 20250.26%
Q1 20260.16%
Q2 20260.20%
Return on assets
1.01%1.53%2.06%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.01%
Q3 20241.19%
Q4 20241.14%
Q1 20251.37%
Q2 20251.42%
Q3 20251.71%
Q4 20251.68%
Q1 20262.06%
Q2 20262.00%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202683$1.4B11.39%0.20%2.00%88.1%
Q1 202684$1.4B11.68%0.16%2.06%89.0%
Q4 202579$1.4B11.48%0.26%1.68%93.7%
Q3 202578$1.3B11.36%0.34%1.71%95.3%
Q2 202576$1.3B11.46%0.44%1.42%89.9%
Q1 202576$1.3B11.42%0.46%1.37%89.7%
Q4 202477$1.3B11.87%0.18%1.14%91.9%
Q3 202478$1.3B12.11%0.21%1.19%95.5%
Q2 202478$1.2B12.95%0.24%1.01%95.9%

897 peers · $1 billion – $10 billion

How it compares with peers

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

Capital ratio11.39%
68th
Total risk-based capital0.00%
13th
Problem loans0.20%
77th
Net charge-offs-0.00%
89th
Return on assets2.00%
88th
Net interest margin2.99%
15th
Efficiency ratio47.2%
83rd
Loans to deposits88.1%
48th
Uninsured deposits13.7%
93rd
Loan-loss reserves1.05%
37th
Texas ratio1.3%
80th

Similar-size banks in Ohio

InstitutionScoreAssetsCapitalProblem loansCompare
The Croghan Colonial BankBank Fremont, OH73 out of 100, Strong$1.4B10.1%0.08%vs
The Union Bank CompanyBank Columbus Grove, OH74 out of 100, Strong$1.4B10.8%0.12%vs
Signature Bank, National AssociationBank Toledo, OH69 out of 100, Moderate$1.3B12.4%0.84%vs
The Richwood Banking CompanyBank Richwood, OH64 out of 100, Moderate$1.3B10.8%1.28%vs
The Commercial and Savings Bank of Millersburg, OhioBank Millersburg, OH69 out of 100, Moderate$1.3B10.2%0.84%vs
Consumers National BankBank Minerva, OH65 out of 100, Moderate$1.3B8.4%0.07%vs

Deposit insurance

Is my money safe at Guardian Savings Bank?

Yes. Guardian Savings Bank is an FDIC-insured institution (FDIC certificate #27998). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 13.7% of deposits ($168.5M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.39%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

13 locations

Branches

Guardian Savings Bank lists 13 offices in 7 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Guardian Savings Bank reported 3,023 home-loan applications under HMDA (LEI 549300ENNFGLHCMQ1U82): 2,310 originated ($669,460,000 total), 311 denied, and 326 withdrawn or closed by the applicant. Its denial rate on decided applications was 11.5%, 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.

Identity & history

Profile

Legal name
Guardian Savings Bank
Former names
Guardian Savings Bank, A Federal Savings Bank
Type
SI
FDIC certificate #
27998
RSSD ID
727174
Primary regulator
FDIC
Holding company
Beck Family Trust
Established
January 1, 1895
Headquarters
6100 W Chester Rd, West Chester, OH 45069
Employees
178

Quick answers

Guardian Savings Bank: common questions

Is Guardian Savings Bank FDIC insured?

Yes. Guardian Savings Bank is an FDIC-insured institution (FDIC certificate #27998). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Guardian Savings Bank's TellerScore?

83 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Guardian Savings Bank ever failed?

There is no failure record for FDIC certificate #27998 in the FDIC failed bank list.

How many branches does Guardian Savings Bank have?

13 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near West Chester

InstitutionScoreAssetsCapitalProblem loansCompare
Superior Credit Union, IncCredit union Lima, OH94 out of 100, Very strong$2.0B15.2%0.20%vs
Cincinnati Interagency Federal Credit UnionCredit union Cincinnati, OH92 out of 100, Very strong$30.8M18.2%0.82%vs
Children'S Medical Center Federal Credit UnionCredit union Cincinnati, OH91 out of 100, Very strong$46.8M20.3%0.52%vs
Deca Credit UnionCredit union Cincinnati, OH90 out of 100, Very strong$7.6M18.9%0.45%vs
St. James Parish Credit UnionCredit union Cincinnati, OH90 out of 100, Very strong$5.9M21.8%0.00%vs
Spring Valley BankBank Wyoming, OH89 out of 100, Very strong$113.6M34.1%0.43%vs