| Metric | Guardian Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.5% | +4.9% | +0.6 pts |
| Deposit growth (YoY) | +2.9% | +4.3% | -1.4 pts |
| Loan growth (YoY) | +2.7% | +5.3% | -2.7 pts |
| ROA | 1.54% | 1.28% | +0.3 pts |
| ROE | 17.7% | 12.4% | +5.3 pts |
ROA ranks in the 66th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $597.9M | $524.3M | $359.4M | $52.7M | $4.6M | 1.54% | 3.43% | 0.98% |
| Q1 2026 | $601.1M | $534.6M | $350.5M | $52.2M | $2.4M | 1.58% | 3.43% | 1.01% |
| Q4 2025 | $590.9M | $525.5M | $361.3M | $50.7M | $8.4M | 1.45% | 3.26% | 1.11% |
| Q3 2025 | $576.8M | $511.3M | $357.8M | $50.8M | $6.2M | 1.43% | 3.22% | 1.14% |
| Q2 2025 | $566.7M | $509.4M | $350.1M | $45.1M | $4.0M | 1.40% | 3.20% | 1.24% |
| Q1 2025 | $590.8M | $534.7M | $360.5M | $43.9M | $2.0M | 1.36% | 3.14% | 1.23% |
| Q4 2024 | $570.8M | $516.9M | $367.9M | $39.3M | $5.4M | 0.95% | 2.74% | 1.29% |
| Q3 2024 | $569.2M | $507.2M | $367.1M | $44.4M | $3.7M | 0.89% | 2.63% | 1.29% |
Loan mix (Q2 2026): real estate $324.0M · commercial $35.4M · consumer $4.2M · securities $190.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Guardian Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.54% | 1.28% | 66th | |
Return on equity Annualized net income ÷ equity or net worth | 17.7% | 12.4% | 80th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.43% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.5% | 61.2% | 36th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Guardian Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Guardian Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Guardian Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Guardian Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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