Guardian Bank

Headquarters

701 Wildwood Plantation Drive
Valdosta, GA 31602
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.15% 0.85% →
1-Year CD 0.50% 0.80% →
2-Year CD 0.50% 0.80% →
5-Year CD 0.50% 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

Guardian Bank is an FDIC insured institution located in Valdosta, GA. It was founded in 2001 and has approximately $0.49 billion in assets. Customers can open an account at one of its 4 branches.

FDIC Insured Yes
FDIC Certificate # 57127
Date Established 2001
Assets $ 485.30 million
Loans $ 295.88 million
Deposits $ 433.41 million
Capital $ 50.69 million
 

For a more detailed analysis of Guardian Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - September 23, 2021

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Savings
0.15% $2,500 $4,999 Learn More
Money Market
0.25% $2,500 $2,999 Learn More
Money Market
0.25% $10,000 $14,999 Learn More
Money Market
0.25% $25,000 $29,999 Learn More
CD Rates APY MIN MAX
6 Mo CD
0.50% $10,000 $14,999 Learn More
6 Mo CD
0.50% $100,000 $199,999 Learn More
12 Mo CD
0.50% $10,000 $14,999 Learn More
12 Mo CD
0.50% $100,000 $199,999 Learn More
18 Mo CD
0.50% $10,000 $14,999 Learn More
18 Mo CD
0.50% $100,000 $199,999 Learn More
24 Mo CD
0.50% $10,000 $14,999 Learn More
24 Mo CD
0.50% $100,000 $199,999 Learn More
36 Mo CD
0.50% $10,000 $14,999 Learn More
36 Mo CD
0.50% $100,000 $199,999 Learn More
60 Mo CD
0.50% $10,000 $14,999 Learn More
60 Mo CD
0.50% $100,000 $199,999 Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1 $99 Learn MoreShow Less
Int Ckg
0.05% $2,500 $3,499 Learn MoreShow Less
 

Loan Rates - September 23, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Guardian Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
Payment
Learn More
CIT Bank
NMLS ID: 541760
2.873% 2.800%
1.00 points
$2,380 fees
$1,028 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
BMO Harris Bank
BMO Harris Bank
See Table
Intro APR 1.790 %
After Intro: 4.840 %
Intro Period: 6 months
$0 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

Note to Guardian Bank
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Guardian Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Fairfield,Connecticut


Guardian Bank Locations


Financial Details

Guardian Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Guardian Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Guardian Bank U.S. Bank Average
11.26% 5.29%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2021, Guardian Bank had $5,440,000 in non-current loans and $851,000 in owned real estate. To cover these potential losses it had $50,691,000 in equity and $5,176,000 in loans loss reserves. That gives it a Texas Ratio of 11.26%.

Return on Equity
Guardian Bank U.S. Bank Average
12.65% 11.43%

Guardian Bank has a Return on Equity of 12.65% versus the BestCashCow average of 11.43%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Guardian Bank U.S. Bank Average
10.45% 11.51%

Guardian Bank has a Capitalization of 10.45% versus the BestCashCow average of 11.51. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Guardian Bank Balance Sheet Analysis

As of March 31, 2021, Guardian Bank had assets of $485,299,000, loans of $295,881,000, and deposits of $433,406,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2021
ASSETS
Cash & Balances due from depository institutions $ 34.97 million
Interest-bearing balances $ 28.57 million
Total securities $ 140.54 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 295.88 million
Loan loss allowance $ 5.18 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.85 million
Goodwill and other intangibles N.A.
All other assets $ 8.09 million
     Total Assets $ 434.61 million
LIABILITIES
Total deposits $ 433.41 million
      Interest-bearing deposits $ 345.66 million
      Deposits held in domestic offices $ 433.41 million
      % insured (estimated) 70.15%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 1.20 million
      Total Liabilities $ 434.61 million
      Shareholders’ Equity $ 50.69 million

Summary Income Statement

March 31, 2021
INCOME AND EXPENSES
Total Interest Income $ 4.10 million
Total Interest Expense $ 0.39 million
Net interest income $ 3.71 million
Provision for loan and lease losses $ 0.12 million
Total non interest income $ 0.41 million
Total non interest expense $ 2.38 million
Pre-tax Net Operating Income $ 1.62 million

Bank Loan Profile?

The top three loan types in Guardian Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Commercial and Industrial Loans.

Compared to other banks in Georgia, Guardian Bank has a significantly higher percent of Multifamily Mortgages on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 23.27
Multifamily
Mortgages
7.81
Credit Card Loans 0.00
Consumer Auto Loans 0.78
Small Business Loans 0.00
Construction and Development Loans 6.15
Commercial Real Estate 41.55
Commercial and Industrial Loans 14.91
Farm Loans 0.31

Frequently Asked Questions About Guardian Bank

Branches and Savings

Is Guardian Bank FDIC insured?

Yes. It is covered under FDIC Certificate #57127.

Why does Guardian Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Guardian Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Guardian Bank a commercial bank?

Yes

Where are Guardian Bank locations?

See branch locations nearby.

Is Guardian Bank open on Saturdays?

Is Guardian Bank open on Sundays?

What time does Guardian Bank open?

What time does Guardian Bank close?

Are Guardian Bank ATMs Open 24/7?

Do Guardian Bank ATMs accept cash deposits?

Can Guardian Bank customers use other ATMs?

Do Guardian Bank branches have notaries?

Will Guardian Bank notarize my document?

What address for Guardian Bank should I put for incoming ACH transfers?

Will the Guardian Bank branch print checks?

Do Guardian Bank checks expire?

Does Guardian Bank require US citizenship to open account?

Can Guardian Bank close my account?

Does Guardian Bank Report to credit bureaus?

Does Guardian Bank Use Equifax?

What is Guardian Bank's ACH Routing Number?

What is Guardian Bank's SWIFT code?

Products

Does Guardian Bank offer mortgages?

Compare mortgage rates here.

Does Guardian Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Guardian Bank offer personal loans?

Compare personal loan rates here.

Does Guardian Bank offer student loans?

Will Guardian Bank cash a check?

Will Guardian Bank redeem a savings bond?

Does Guardian Bank cash savings bonds?

Will Guardian Bank cash money orders?

Can Guardian Bank issue a money order?

Does Guardian Bank do currency exchange?

Background on The Bank

Who owns Guardian Bank?

How long has Guardian Bank been around?

Can Guardian Bank transfer to other banks?

Does Guardian Bank have quick pay?

Does Guardian Bank accept rolled coins?

Will Guardian Bank accept loose change?

Where is Guardian Bank headquarters?

Customer Reviews for Guardian Bank


  • August 21, 2019

    Guardian bank is the worst company I’ve ever try to do business with me and my husband went to them for a refinance the lender submitted a application for a loan that was not fitting the needs we wanted we ask him multiple times to give us several options so we could choose what would work for us he only submitted one and it was the worst loan for us Ihe didn’t even care or listen to our needs at all I called the bank in Lexington to speak with him he was rude and said he would have to call me back it was 20 minutes before they closed at 5 I still didn’t hear back from him so I called back and a lady answered the phone I ask for the lender and she rudely said I don’t think he’s here we are closing down for the day I said it’s 435 you don’t close until 5 and she rudely said hold on she put me through and he picked and he was totally trying to tell me what to do and being Sarcastic about it I was shocked how I was treated all I’m saying is I’m trying to bring money to your bank and this is how I’m treated I will take my business else where I will spreed the word Do not go to GB you deserve no rating !!!!

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