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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
100%RE $1.1B0%C&I $0.0B0%Consumer $0.0BQ3 2024Q2 2026
Deposit mix
92%Interest-bearing $1.1B8%Noninterest $0.1BQ3 2024Q2 2026

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

Executive Summary

  • Earnings: ROA of 1.57%, up 45 bps year over year; NIM at 2.84%.
  • Asset quality: problem loans at 0.20% of loans (-24 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.39%, down 7 bps from a year ago.
  • Funding: loans stand at 88.99% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.57%+45 bps YoY

Net Interest Margin (YTD, annualized)

2.84%+43 bps YoY

Efficiency Ratio (YTD, annualized)

47.18%-793 bps YoY

Tier 1 Leverage Ratio

11.39%-7 bps YoY

NIM

5.38%Q2 ’245.32%Q2 ’255.44%Q2 ’26+10%+18%

Non-interest income vs. expense

1.85%Q2 ’241.72%Q2 ’251.77%Q2 ’26-13%-16%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.94%0.90%1.08%1.12%1.34%1.32%1.62%1.57%+45 bps
Return on Equity7.59%7.33%9.35%9.68%11.67%11.50%14.02%13.68%+400 bps
Net Interest Margin2.07%2.07%2.31%2.41%2.52%2.57%2.83%2.84%+43 bps
Efficiency Ratio60.10%61.77%55.96%55.11%50.54%52.48%46.31%47.18%-793 bps
Non-Interest Burden0.93%1.00%0.95%1.01%0.83%0.91%0.77%0.85%-16 bps
Growth
Asset Growth (YoY)18.30%16.76%13.45%9.23%5.10%2.93%2.99%3.47%-576 bps
Loan Growth (YoY)13.60%10.72%8.72%3.04%5.51%5.16%1.81%1.48%-156 bps
Deposit Growth (YoY)20.39%18.70%15.07%9.98%5.80%3.18%2.62%3.62%-636 bps
Asset Quality
Nonperforming Loans / Loans0.21%0.18%0.46%0.44%0.34%0.26%0.16%0.20%-24 bps
Net Charge-Offs / Loans-0.05%-0.04%-0.01%-0.01%-0.01%-0.01%0.00%0.00%+1 bps
Allowance / Loans1.05%1.06%1.06%1.06%1.00%1.01%1.05%1.05%-1 bps
Allowance Coverage of NPLs5.0x5.8x2.3x2.4x3.0x3.9x6.6x5.4x+2.9x
Capital
Tier 1 Leverage Ratio12.11%11.87%11.42%11.46%11.36%11.48%11.68%11.39%-7 bps
Total Risk-Based Capital12.11%11.87%11.42%11.46%11.36%11.48%11.68%11.39%-7 bps
Equity / Assets11.96%11.71%11.36%11.52%11.40%11.48%11.61%11.33%-19 bps
Liquidity & Funding
Loans / Deposits96.56%92.88%90.66%90.86%96.30%94.66%89.96%88.99%-187 bps
Liquid Assets / Assets12.21%15.14%16.64%16.65%11.87%12.15%17.52%18.10%+145 bps
CRE / Total Capitaln/an/an/an/a62.32%61.37%55.29%n/an/a