| Weiss Ratings |
Guardian Bank
Valdosta, GA |
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| Rating | ||||
| Asset Quality Index | 7.20 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 3.10 | |||
| Profitability Index | 5.40 | |||
| Stability Index | 6.80 | |||
| 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 | 5.50% | |||
| 5-Year Asset Growth | 5.24% | |||
| 5-Year Charge-Offs to Average Loans | 0.04% | |||
| Charge-Offs to Average Loans | 0.03% | |||
| Non-Performing Assets to Assets | 0.61% | |||
| Non-Performing Loans to Capital | 4.22% | |||
| Non-Performing Loans to Loans | 1.49% | |||
| Balance Sheet |
Guardian Bank
Valdosta, GA |
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| Total Assets | 597.90M | |||
| Total Deposits | 524.35M | |||
| Capital and Reserves |
Guardian Bank
Valdosta, GA |
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| Capital | 52.66M | |||
| Leverage Ratio | 11.55 | |||
| Loan Loss Reserves to Loans | 1.56% | |||
| Risk-Based Capital Ratio | 18.62 | |||
| Liquidity |
Guardian Bank
Valdosta, GA |
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| Hot Money Ratio | 16.67% | |||
| Liquidity Ratio | 24.14% | |||
| Profitability |
Guardian Bank
Valdosta, GA |
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| 5-Year Return on Average Assets | 1.23% | |||
| Net Income | 4.60M | |||
| Net Interest Spread | 3.34% | |||
| Operating Profit to Average Assets | 1.51% | |||
| Overhead Efficiency Ratio | 56.50% | |||
| Return on Assets | 1.51% | |||
| Return on Equity | 17.70% | |||