Guardian Savings Bank, A Federal Savings Bank

6100 West Chester Road
West Chester, OH 45069

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 27998
Date Established 1895
Assets $0.93 billion
Loans $0.78 billion
Deposits $0.81 billion
Capital $0.11 billion

Guardian Savings Bank, A Federal Savings Bank is an FDIC insured institution located in West Chester, OH. It was founded in 1895 and has approximately $0.93 billion in assets. Customers can open an account at one of its 12 branches.

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

Bank Loan Profile?

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

Compared to other banks in Ohio, Guardian Savings Bank, A Federal Savings Bank has a significantly higher percent of 1-4 Family Residential Loans 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 89.01
Multifamily
Mortgages
5.55
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 1.99
Construction and Development Loans 2.26
Commercial Real Estate 4.39
Commercial and Industrial Loans 0.00
Farm Loans 0.00

Deposit Rates - April 21, 2019

Your Current Location: Washington, WA 98109

Savings and Money Market Rates APY MIN MAX
CD Rates APY MIN MAX
3 Mo CD
0.20% $500 - Learn MoreShow Less
Special: 6 Mo CD
1.75% $500 - Learn MoreShow Less
6 Mo CD
0.25% $500 - Learn MoreShow Less
12 Mo CD
0.50% $500 - Learn MoreShow Less
18 Mo CD
0.60% $500 - Learn MoreShow Less
24 Mo CD
0.70% $500 - Learn MoreShow Less
30 Mo CD
0.75% $500 - Learn MoreShow Less
36 Mo CD
1.00% $500 - Learn MoreShow Less
48 Mo CD
1.25% $500 - Learn MoreShow Less
60 Mo CD
1.50% $500 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
0.50% $500 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA
0.60% $10 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.15% $1 $2,499 Learn MoreShow Less
Int Ckg
0.15% $2,500 $4,999 Learn MoreShow Less

Loan Rates - April 21, 2019

Your Current Location: Washington, WA 98109

There are currently no loan rates available for Guardian Savings Bank, A Federal Savings Bank

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

Featured - Washington 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.375% 5.375% 0.00 $0 $1,400 Learn More
J.G. Wentworth Home Lending, LLC
NMLS ID: 2925
License#: CL-2925. NMLSID#2925
4.031% 4.000% 0.38 $945 $1,194 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
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PenFed Credit Union
PenFed Credit Union
5.500 %
$0 Learn More
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Figure Home Equity Loan Plus
Figure Home Equity Loan Plus
8.000 %
N/A Learn More
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Note to Guardian Savings Bank, A Federal Savings Bank
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Branches

Guardian Savings Bank, A Federal Savings 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:
Seattle,Washington


Guardian Savings Bank, A Federal Savings Bank Locations


Financial Details

Guardian Savings Bank, A Federal Savings Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Guardian Savings Bank, A Federal Savings 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 Savings Bank, A Federal Savings Bank U.S. Bank Average
3.86% 6.97%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s 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 December 31, 2018, Guardian Savings Bank, A Federal Savings Bank had $4,357,000 in non-current loans and $434,000 in owned real estate. To cover these potential losses it had $114,128,000 in equity and $10,126,000 in loans loss reserves. That gives it a Texas Ratio of 3.86%.

Return on Equity
Guardian Savings Bank, A Federal Savings Bank U.S. Bank Average
15.17% 8.80%

Guardian Savings Bank, A Federal Savings Bank has a Return on Equity of 15.17% versus the BestCashCow average of 8.80%. 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 Savings Bank, A Federal Savings Bank U.S. Bank Average
12.23% 12.29%

Guardian Savings Bank, A Federal Savings Bank has a Capitalization of 12.23% versus the BestCashCow average of 12.29. 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 Savings Bank, A Federal Savings Bank Balance Sheet Analysis

As of December 31, 2018, Guardian Savings Bank, A Federal Savings Bank had assets of $933,263,000, loans of $778,786,000, and deposits of $812,716,000. 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

December 31, 2018
ASSETS
Cash & Balances due from depository institutions $0.11 billion
Interest-bearing balances $0.09 billion
Total securities $0.00 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.78 billion
Loan loss allowance $0.01 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.02 billion
All other assets $0.01 billion
     Total Assets $0.82 billion
LIABILITIES
Total deposits $0.81 billion
      Interest-bearing deposits $0.74 billion
      Deposits held in domestic offices $0.81 billion
      % insured (estimated) 87.01%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.01 billion
      Total Liabilities $0.82 billion
      Shareholders’ Equity $0.11 billion

Summary Income Statement

December 31, 2018
INCOME AND EXPENSES
Total Interest Income $0.03 billion
Total Interest Expense $0.01 billion
Net interest income $0.02 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.01 billion
Total non interest expense $0.02 billion
Pre-tax Net Operating Income $0.02 billion

Frequently Asked Questions About Guardian Savings Bank, A Federal Savings Bank

Branches and Savings

Is Guardian Savings Bank, A Federal Savings Bank FDIC insured?

Yes. It is covered under FDIC Certificate #27998.

Why does Guardian Savings Bank, A Federal Savings 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 Savings Bank, A Federal Savings Bank CD rates not competitive?

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

Is Guardian Savings Bank, A Federal Savings Bank a commercial bank?

Yes

Where are Guardian Savings Bank, A Federal Savings Bank locations?

See branch locations nearby.

Is Guardian Savings Bank, A Federal Savings Bank open on Saturdays?

Is Guardian Savings Bank, A Federal Savings Bank open on Sundays?

What time does Guardian Savings Bank, A Federal Savings Bank open?

What time does Guardian Savings Bank, A Federal Savings Bank close?

Are Guardian Savings Bank, A Federal Savings Bank ATMs Open 24/7?

Do Guardian Savings Bank, A Federal Savings Bank ATMs accept cash deposits?

Can Guardian Savings Bank, A Federal Savings Bank customers use other ATMs?

Do Guardian Savings Bank, A Federal Savings Bank branches have notaries?

Will Guardian Savings Bank, A Federal Savings Bank notarize my document?

What address for Guardian Savings Bank, A Federal Savings Bank should I put for incoming ACH transfers?

Will the Guardian Savings Bank, A Federal Savings Bank branch print checks?

Do Guardian Savings Bank, A Federal Savings Bank checks expire?

Does Guardian Savings Bank, A Federal Savings Bank require US citizenship to open account?

Can Guardian Savings Bank, A Federal Savings Bank close my account?

Does Guardian Savings Bank, A Federal Savings Bank Report to credit bureaus?

Does Guardian Savings Bank, A Federal Savings Bank Use Equifax?

What is Guardian Savings Bank, A Federal Savings Bank's ACH Routing Number?

What is Guardian Savings Bank, A Federal Savings Bank's SWIFT code?

Products

Does Guardian Savings Bank, A Federal Savings Bank offer mortgages?

Compare mortgage rates here.

Does Guardian Savings Bank, A Federal Savings Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Guardian Savings Bank, A Federal Savings Bank offer personal loans?

Compare personal loan rates here.

Does Guardian Savings Bank, A Federal Savings Bank offer student loans?

Will Guardian Savings Bank, A Federal Savings Bank cash a check?

Will Guardian Savings Bank, A Federal Savings Bank redeem a savings bond?

Does Guardian Savings Bank, A Federal Savings Bank cash savings bonds?

Will Guardian Savings Bank, A Federal Savings Bank cash money orders?

Can Guardian Savings Bank, A Federal Savings Bank issue a money order?

Does Guardian Savings Bank, A Federal Savings Bank do currency exchange?

Background on The Bank

Who owns Guardian Savings Bank, A Federal Savings Bank?

How long has Guardian Savings Bank, A Federal Savings Bank been around?

Can Guardian Savings Bank, A Federal Savings Bank transfer to other banks?

Does Guardian Savings Bank, A Federal Savings Bank have quick pay?

Does Guardian Savings Bank, A Federal Savings Bank accept rolled coins?

Will Guardian Savings Bank, A Federal Savings Bank accept loose change?

Where is Guardian Savings Bank, A Federal Savings Bank headquarters?

Customer Reviews for Guardian Savings Bank, A Federal Savings Bank


  • Wfransdell@gmail.com

    October 29, 2017 |

    CDs 12 Month Rates

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