Guardian Savings Bank

West Chester, OH · Cert 27998 · Beck Family Trust

SI · FDIC · 13 branches

Q2 2026

$1.4BAssets

$1.1BLoans

$1.2BDeposits

$158.0MEquity

Loan mix

Deposit mix

NIM

Market Position · Cincinnati, OH-KY-IN · 2026 SOD (annual) · 0.5% share · #12 of 54 inst. · $1.0B of $187.5B

0.3% Hamilton

1.3% Fayette

2.4% Clermont

4.1% Campbell

Earnings: ROA of 1.52%, up 37 bps year over year; NIM at 2.87%.
Asset quality: problem loans at 0.20% of loans (-24 bps YoY), with net charge-offs at 0.00%.

Return on Assets (quarter, annualized)

1.52%+37 bps YoY

Net Interest Margin (quarter, annualized)

2.87%+34 bps YoY

Efficiency Ratio (quarter, annualized)

48.06%-623 bps YoY

Tier 1 Leverage Ratio

11.39%-7 bps YoY

Discrete quarter, annualized.

Metric	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	YoY Δ
Earnings
Return on Assets	1.15%	1.79%	1.25%	1.62%	1.52%	+37 bps
Return on Equity	10.06%	15.59%	10.92%	14.02%	13.25%	+319 bps
Net Interest Margin	2.54%	2.72%	2.76%	2.83%	2.87%	+34 bps
Efficiency Ratio	54.30%	43.40%	57.79%	46.31%	48.06%	-623 bps
Non-Interest Burden	1.08%	0.46%	1.18%	0.77%	0.94%	-15 bps
Growth
Asset Growth (YoY)	9.23%	5.10%	2.93%	2.99%	3.47%	-576 bps
Loan Growth (YoY)	3.04%	5.51%	5.16%	1.81%	1.48%	-156 bps
Deposit Growth (YoY)	9.98%	5.80%	3.18%	2.62%	3.62%	-636 bps
Asset Quality
Nonperforming Loans / Loans	0.44%	0.34%	0.26%	0.16%	0.20%	-24 bps
Net Charge-Offs / Loans	-0.01%	-0.01%	0.00%	0.00%	0.00%	0 bps
Allowance / Loans	1.06%	1.00%	1.01%	1.05%	1.05%	-1 bps
Allowance Coverage of NPLs	2.4x	3.0x	3.9x	6.6x	5.4x	+2.9x
Capital
Tier 1 Leverage Ratio	11.46%	11.36%	11.48%	11.68%	11.39%	-7 bps
Total Risk-Based Capital	11.46%	11.36%	11.48%	11.68%	11.39%	-7 bps
Equity / Assets	11.52%	11.40%	11.48%	11.61%	11.33%	-19 bps
Liquidity & Funding
Loans / Deposits	90.86%	96.30%	94.66%	89.96%	88.99%	-187 bps
Liquid Assets / Assets	16.65%	11.87%	12.15%	17.52%	18.10%	+145 bps
CRE / Total Capital	n/a	62.32%	61.37%	55.29%	n/a	n/a