B
Guardian Savings Bank
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Guardian Savings Bank
West Chester, OH
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Rating B
Asset Quality Index 8.70
Capitalization Index 10.00
Liquidity Index 3.10
Profitability Index 5.60
Stability Index 10.00
Company Info Guardian Savings Bank
West Chester, OH
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FDIC Number 27998
Phone Number (513) 942-3500
Website www.guardiansavingsbank.com/
Asset Quality Guardian Savings Bank
West Chester, OH
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1-Year Asset Growth 9.23%
5-Year Asset Growth 6.43%
5-Year Charge-Offs to Average Loans -0.03%
Charge-Offs to Average Loans -0.01%
Non-Performing Assets to Assets 0.36%
Non-Performing Loans to Capital 2.84%
Non-Performing Loans to Loans 0.44%
Balance Sheet Guardian Savings Bank
West Chester, OH
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Total Assets 1.35B
Total Deposits 1.19B
Capital and Reserves Guardian Savings Bank
West Chester, OH
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Capital 155.24M
Leverage Ratio 11.46
Loan Loss Reserves to Loans 1.06%
Risk-Based Capital Ratio --
Liquidity Guardian Savings Bank
West Chester, OH
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Hot Money Ratio 26.29%
Liquidity Ratio 19.23%
Profitability Guardian Savings Bank
West Chester, OH
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5-Year Return on Average Assets 1.97%
Net Income 9.48M
Net Interest Spread 2.49%
Operating Profit to Average Assets 1.41%
Overhead Efficiency Ratio 55.11%
Return on Assets 1.41%
Return on Equity 12.34%