Guardian Savings Bank
West Chester, OH · Cert 27998 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Beck Family Trust
SI · FDIC · 13 branches
Q2 2026
$1.4BAssets
$1.1BLoans
$1.2BDeposits
$158.0MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks $1B-$10B in assets operating regionally (rank 10 of 176).
- Widest gap: net interest margin trails 92% of banks $1B-$10B in assets operating regionally (rank 162 of 176).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.55%
Rank 42 of 176
Net Interest Margin
2.84%
Rank 162 of 176
Efficiency Ratio
47.18%
Rank 24 of 176
Equity / Assets
11.33%
Rank 55 of 176
Non-interest income vs. expense
Unfavorable gap of $11.8M · efficiency ratio beats 87% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.55% | 0.93% | 1.26% | 1.54% | Beats 76% | 42 / 176 | |
| Return on Equity | 13.68% | 9.26% | 11.89% | 14.46% | Beats 67% | 58 / 176 | |
| Net Interest Margin | 2.84% | 3.25% | 3.59% | 3.93% | Beats 8% | 162 / 176 | |
| Efficiency Ratio | 47.18% | 52.79% | 59.55% | 67.66% | Beats 87% | 24 / 176 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.20% | 0.30% | 0.64% | 1.32% | Beats 86% | 26 / 176 | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.04% | 0.10% | Beats 100% | 10 / 176 | |
| Capital |
| Tier 1 Capital Ratio | 11.39% | 11.15% | 12.72% | 14.15% | Beats 31% | 121 / 176 | |
| Total Risk-Based Capital Ratio | 11.39% | 11.81% | 13.63% | 15.33% | Beats 18% | 144 / 176 | |
| Equity / Assets | 11.33% | 9.16% | 10.35% | 11.80% | Beats 69% | 55 / 176 | |
| Liquidity & Funding |
| Loans / Deposits | 88.99% | 80.94% | 89.73% | 97.21% | 46th pctl | 95 / 176 | |
| Loans / Assets | 78.47% | 69.25% | 75.12% | 80.82% | 66th pctl | 60 / 176 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |