Guardian Bank

BankValdosta, Georgia
https://www.guardian.bank

Total Assets

$590.9M

Total Deposits

$525.5M

Branches

5

Established

2001

TFS Health Grade

$
D

66.4 / 100

Below average financial health

How we grade

Guardian Bank is a bank headquartered in Valdosta, Georgia, established in 2001. With $590.9M in total assets and 5 branch locations, it has a TFS Financial Health Grade of D (66.4/100).

Capital & Safety

Tier 1 Capital Ratio
11.06%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
1.63%

Profitability

Return on Assets (ROA)
1.45%(1%)
Return on Equity (ROE)
18.24%(10%)
Net Interest Margin
3.26%
Efficiency Ratio
57.46%(60%)

Lending & Liquidity

Total Loans
$367.0M
Loan-to-Deposit Ratio
68.75%
Net Charge-Off Ratio
0.02%

Growth

Asset Growth (YoY)
+3.53%
Deposit Growth (YoY)
+1.65%
Net Income
$8.4M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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