Guardian Trust Company, FSB

Headquarters

7 Hanover Square
New York, NY 10004
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.85% →
1-Year CD N.A. 0.80% →
2-Year CD N.A. 0.80% →
5-Year CD N.A. 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 Trust Company, FSB is an FDIC insured institution located in New York, NY. It was founded in 1999 and has approximately $0 billion in assets.

FDIC Insured Yes
FDIC Certificate # 34958
Date Established 1999
Assets $ 4.22 million
Loans N.A.
Deposits N.A.
Capital $ 4.03 million
 

For a more detailed analysis of Guardian Trust Company, FSB'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: California, CA 92111

 

Loan Rates - September 23, 2021

Your Current Location: California, CA 92111

There are currently no loan rates available for Guardian Trust Company, FSB

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




Featured - California 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
Payment
Learn More
First Internet Bank
NMLS ID: 424182
2.806% 2.750%
0.75 points
$1,818 fees
$1,021 Learn More

Featured - California Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
BMO Harris Bank
BMO Harris Bank
See Table
Intro APR 1.790 %
After Intro: 4.840 %
Intro Period: 6 months
$0 Learn More
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Third Federal Savings and Loan
Third Federal Savings and Loan
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2.240 %
$0 Learn More
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Note to Guardian Trust Company, FSB
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Branches

Guardian Trust Company, FSB 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:
San Diego,California


Guardian Trust Company, FSB Locations


Financial Details

Guardian Trust Company, FSB Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Guardian Trust Company, FSB. 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 Trust Company, FSB U.S. Bank Average
0% 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 Trust Company, FSB had $0 in non-current loans and $0 in owned real estate. To cover these potential losses it had $4,027,000 in equity and $0 in loans loss reserves. That gives it a Texas Ratio of 0%.

Return on Equity
Guardian Trust Company, FSB U.S. Bank Average
1.28% 11.43%

Guardian Trust Company, FSB has a Return on Equity of 1.28% 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 Trust Company, FSB U.S. Bank Average
95.45% 11.51%

Guardian Trust Company, FSB has a Capitalization of 95.45% 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 Trust Company, FSB Balance Sheet Analysis

As of December 31, 2010, Guardian Trust Company, FSB had assets of $4,219,000, loans of $0, and deposits of $0. 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 N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases N.A.
Loan loss allowance N.A.
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits N.A.
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 4.22 million

Summary Income Statement

March 31, 2021
INCOME AND EXPENSES
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in Guardian Trust Company, FSB’s loan portfolio are 1-4 Family Residential Loans, Multifamily Mortgages, and Credit Card Loans.

Compared to other banks, Guardian Trust Company, FSB’s loan portfolio does not show any specific loan specialty.

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 nan
Multifamily
Mortgages
nan
Credit Card Loans nan
Consumer Auto Loans nan
Small Business Loans nan
Construction and Development Loans nan
Commercial Real Estate nan
Commercial and Industrial Loans nan
Farm Loans nan

Frequently Asked Questions About Guardian Trust Company, Fsb

Branches and Savings

Is Guardian Trust Company, Fsb FDIC insured?

Yes. It is covered under FDIC Certificate #34958.

Why does Guardian Trust Company, Fsb pay such low interest on savings accounts?

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

Why are Guardian Trust Company, Fsb CD rates not competitive?

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

Is Guardian Trust Company, Fsb a commercial bank?

Yes

Where are Guardian Trust Company, Fsb locations?

See branch locations nearby.

Is Guardian Trust Company, Fsb open on Saturdays?

Is Guardian Trust Company, Fsb open on Sundays?

What time does Guardian Trust Company, Fsb open?

What time does Guardian Trust Company, Fsb close?

Are Guardian Trust Company, Fsb ATMs Open 24/7?

Do Guardian Trust Company, Fsb ATMs accept cash deposits?

Can Guardian Trust Company, Fsb customers use other ATMs?

Do Guardian Trust Company, Fsb branches have notaries?

Will Guardian Trust Company, Fsb notarize my document?

What address for Guardian Trust Company, Fsb should I put for incoming ACH transfers?

Will the Guardian Trust Company, Fsb branch print checks?

Do Guardian Trust Company, Fsb checks expire?

Does Guardian Trust Company, Fsb require US citizenship to open account?

Can Guardian Trust Company, Fsb close my account?

Does Guardian Trust Company, Fsb Report to credit bureaus?

Does Guardian Trust Company, Fsb Use Equifax?

What is Guardian Trust Company, Fsb's ACH Routing Number?

What is Guardian Trust Company, Fsb's SWIFT code?

Products

Does Guardian Trust Company, Fsb offer mortgages?

Compare mortgage rates here.

Does Guardian Trust Company, Fsb offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Guardian Trust Company, Fsb offer personal loans?

Compare personal loan rates here.

Does Guardian Trust Company, Fsb offer student loans?

Will Guardian Trust Company, Fsb cash a check?

Will Guardian Trust Company, Fsb redeem a savings bond?

Does Guardian Trust Company, Fsb cash savings bonds?

Will Guardian Trust Company, Fsb cash money orders?

Can Guardian Trust Company, Fsb issue a money order?

Does Guardian Trust Company, Fsb do currency exchange?

Background on The Bank

Who owns Guardian Trust Company, Fsb?

How long has Guardian Trust Company, Fsb been around?

Can Guardian Trust Company, Fsb transfer to other banks?

Does Guardian Trust Company, Fsb have quick pay?

Does Guardian Trust Company, Fsb accept rolled coins?

Will Guardian Trust Company, Fsb accept loose change?

Where is Guardian Trust Company, Fsb headquarters?

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