What is Guardian Savings Bank's financial health grade?

Guardian Savings Bank has a TFS Financial Health Grade of C- (score: 72.0/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Guardian Savings Bank have?

Guardian Savings Bank has 13 branch locations across the United States.

Is Guardian Savings Bank FDIC insured?

Yes, Guardian Savings Bank is FDIC insured (Certificate #27998).

What are the total assets of Guardian Savings Bank?

Guardian Savings Bank has total assets of $1.4B as reported in its most recent FDIC filing.

Guardian Savings Bank

BankWest Chester, Ohio

www.guardiansavingsbank.com

Total Assets

$1.4B

Total Deposits

$1.2B

Branches

Established

1895

TFS Health Grade

C-

72.0 / 100

Average financial health

How we grade

Guardian Savings Bank is a bank headquartered in West Chester, Ohio, established in 1895. With $1.4B in total assets and 13 branch locations, it has a TFS Financial Health Grade of C- (72.0/100).

Capital & Safety

Tier 1 Capital Ratio

11.48%(8%)

Total Capital Ratio

0.00%(10%)

Non-Performing Loan Ratio

0.26%

Profitability

Return on Assets (ROA)

1.68%(1%)

Return on Equity (ROE)

14.58%(10%)

Net Interest Margin

2.71%

Efficiency Ratio

52.48%(60%)

Lending & Liquidity

Total Loans

$1.1B

Loan-to-Deposit Ratio

93.70%

Net Charge-Off Ratio

-0.01%

Growth

Asset Growth (YoY)

+2.93%

Deposit Growth (YoY)

+3.18%

Net Income

$22.5M

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.

Branch	Address	City	State	Type
Guardian Savings BankHQ	6100 W Chester Rd	West Chester	OH	11
Guardian Savings Bank	7550 Mall Rd	Florence	KY	11
Guardian Savings Bank	14 S Fort Thomas Ave	Fort Thomas	KY	11
Guardian Savings Bank	10 Kyles Ln	Fort Wright	KY	11
Guardian Savings Bank	501 Southland Dr	Lexington	KY	11
Guardian Savings Bank	2541 Sir Barton Way	Lexington	KY	11
Guardian Savings Bank	2503 South Hurstbourne Parkway	Louisville	KY	11
Guardian Savings Bank	11333 Princeton Pike	Cincinnati	OH	11
Guardian Savings Bank	5671 Springdale Rd	Cincinnati	OH	11
Guardian Savings Bank	5511 Harrison Ave	Cincinnati	OH	11
Guardian Savings Bank	5901 Colerain Ave	Cincinnati	OH	11
Guardian Savings Bank	6644 Montgomery Rd	Cincinnati	OH	11
Guardian Savings Bank	560 Ohio Pike	Cincinnati	OH	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.