Guardian Savings Bank
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 11.4. A current level of 1.3 percent of nonperforming loans to core capital combined with 2.8 percent from a year earlier contributes to the Excellent asset quality (9.1).
Other Rating Factors:
Operating profits as a percentage of assets at 2.0%, coupled with a return on assets of 2.0 has resulted in Good (7.0) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Asset Mix:
Home mtgs (68%), cash (18%), home eq lns (4%), comm re (2%), other (7%)
States with Branches:
KY, OH
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Guardian Bancorp, Inc
Investment Rating
--
Address
6100 West Chester Road
West Chester, OH 45069
West Chester, OH 45069
Phone Number
(513) 942-3500
Year Founded
1895
FDIC Number
Largest Affiliates
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