| Weiss Ratings |
Guardian Bank
Valdosta, GA |
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| Rating | ||||
| Asset Quality Index | 6.80 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 3.00 | |||
| Profitability Index | 5.50 | |||
| Stability Index | 6.50 | |||
| Company Info |
Guardian Bank
Valdosta, GA |
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| FDIC Number | 57127 | |||
| Phone Number | (229) 241-9444 | |||
| Website | www.guardian.bank | |||
| Asset Quality |
Guardian Bank
Valdosta, GA |
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| 1-Year Asset Growth | 3.53% | |||
| 5-Year Asset Growth | 5.24% | |||
| 5-Year Charge-Offs to Average Loans | 0.07% | |||
| Charge-Offs to Average Loans | 0.02% | |||
| Non-Performing Assets to Assets | 0.67% | |||
| Non-Performing Loans to Capital | 4.68% | |||
| Non-Performing Loans to Loans | 1.63% | |||
| Balance Sheet |
Guardian Bank
Valdosta, GA |
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| Total Assets | 590.90M | |||
| Total Deposits | 525.47M | |||
| Capital and Reserves |
Guardian Bank
Valdosta, GA |
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| Capital | 50.74M | |||
| Leverage Ratio | 11.06 | |||
| Loan Loss Reserves to Loans | 1.55% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
Guardian Bank
Valdosta, GA |
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| Hot Money Ratio | 16.71% | |||
| Liquidity Ratio | 22.48% | |||
| Profitability |
Guardian Bank
Valdosta, GA |
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| 5-Year Return on Average Assets | 1.25% | |||
| Net Income | 8.38M | |||
| Net Interest Spread | 3.14% | |||
| Operating Profit to Average Assets | 1.41% | |||
| Overhead Efficiency Ratio | 57.46% | |||
| Return on Assets | 1.41% | |||
| Return on Equity | 18.14% | |||