Guardian Savings Bank
Total assets
$1.39B
▲ +3.5% YoY
Deposits
$1.23B
▲ +3.6% YoY
Loans
$1.08B
▲ +1.5% YoY
Offices
13
BECK FAMILY TRUST
ROA (annualized)
2.00%
peers 1.26%
ROE (annualized)
17.42%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | Guardian Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.5% | +5.5% | -2.0 pts |
| Deposit growth (YoY) | +3.6% | +5.1% | -1.4 pts |
| Loan growth (YoY) | +1.5% | +5.9% | -4.4 pts |
| ROA | 2.00% | 1.26% | +0.7 pts |
| ROE | 17.4% | 12.2% | +5.3 pts |
ROA ranks in the 88th percentile of its peer group · Q2 2026
Profile
- Established
- 1895
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- BECK FAMILY TRUST
- Specialization
- Mortgage Lending Specialization
- Address
- 6100 W Chester Rd, West Chester, OH, 45069
- County
- Butler
- Metro area
- Cincinnati, OH-KY-IN
- Offices
- 13
- FDIC cert #
- 27998
- RSSD ID
- 727174
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.39B | $1.23B | $1.08B | $158.0M | $13.8M | 2.00% | 2.99% | 0.15% |
| Q1 2026 | $1.38B | $1.22B | $1.08B | $160.4M | $7.0M | 2.06% | 2.97% | 0.12% |
| Q4 2025 | $1.36B | $1.20B | $1.12B | $155.7M | $22.5M | 1.68% | 2.71% | 0.22% |
| Q3 2025 | $1.35B | $1.19B | $1.13B | $153.6M | $17.1M | 1.71% | 2.65% | 0.30% |
| Q2 2025 | $1.35B | $1.19B | $1.07B | $155.2M | $9.5M | 1.42% | 2.54% | 0.36% |
| Q1 2025 | $1.34B | $1.18B | $1.06B | $152.4M | $4.6M | 1.37% | 2.42% | 0.37% |
| Q4 2024 | $1.32B | $1.16B | $1.06B | $154.3M | $14.0M | 1.14% | 2.29% | 0.15% |
| Q3 2024 | $1.28B | $1.12B | $1.07B | $153.3M | $10.8M | 1.19% | 2.27% | 0.18% |
Loan mix (Q2 2026): real estate $1.09B · commercial $0 · consumer $0 · securities $0
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | Guardian Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.00% | 1.26% | 88th | |
Return on equity Annualized net income ÷ equity or net worth | 17.4% | 12.2% | 84th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.99% | 3.70% | 15th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 47.2% | 59.0% | 17th | |
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% |
Balance sheet
| Ratio | Guardian Savings 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% |
Capital
| Ratio | Guardian Savings 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% |
Credit quality
| Ratio | Guardian Savings 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% |
Franchise
| Ratio | Guardian Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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