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 8.90
Capitalization Index 10.00
Liquidity Index 2.90
Profitability Index 6.70
Stability Index 6.30
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 5.10%
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 0.30%
Non-Performing Loans to Capital 2.32%
Non-Performing Loans to Loans 0.34%
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 153.63M
Leverage Ratio 11.36
Loan Loss Reserves to Loans 1.00%
Risk-Based Capital Ratio --
Liquidity Guardian Savings Bank
West Chester, OH
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Hot Money Ratio 25.82%
Liquidity Ratio 13.65%
Profitability Guardian Savings Bank
West Chester, OH
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5-Year Return on Average Assets 1.97%
Net Income 17.14M
Net Interest Spread 2.58%
Operating Profit to Average Assets 1.70%
Overhead Efficiency Ratio 50.54%
Return on Assets 1.70%
Return on Equity 14.85%