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Guardian Savings Bank, FSB

Granite City, IL · Cert 29986

FDIC · 1 branch

Q3 2024

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the St. Louis, MO-IL area3

Basis

Quarter: Q3 2024, the quarter ended September 30, 2024, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in the St. Louis, MO-IL area (n=42 to 44). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

89

Q2 2024Q3 2024peer median (50)

Asset Quality

100

Q2 2024Q3 2024peer median (50)

Profitability

1

Q2 2024Q3 2024peer median (50)

Liquidity

26

Q2 2024Q3 2024peer median

Efficiency

2

Q2 2024Q3 2024peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Guardian Savings Bank, FSB

Granite City, IL · Cert 29986

FDIC · 1 branch

Q3 2024

$32.1MAssets
$14.3MLoans
$25.9MDeposits
$5.8MEquity
Loan mix
83%RE $11.8M4%C&I $0.5M13%Consumer $1.8MQ3 2023Q3 2024
Deposit mix
92%Interest-bearing $23.8M8%Noninterest $2.2MQ3 2023Q3 2024

NIM

2.63%Q3 ’223.12%Q3 ’233.39%Q3 ’24-11%-22%

Non-interest income vs. expense

2.55%Q3 ’222.89%Q3 ’233.71%Q3 ’24+14%+31%

Market Position · St. Louis, MO-IL · 2024 SOD (annual) · 0.0% share · #101 of 112 inst. · $0.0B of $132.1B

Executive Summary

  • Earnings: ROA of -1.82%, down 129 bps year over year; NIM at 1.61%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 21.54%, up 82 bps from a year ago.
  • Funding: loans stand at 55.21% of deposits as of Q3 2024.

Financial Results

Return on Assets (YTD, annualized)

-1.82%-129 bps YoY

Net Interest Margin (YTD, annualized)

1.61%-46 bps YoY

Efficiency Ratio (YTD, annualized)

188.15%+6,604 bps YoY

Tier 1 Leverage Ratio

21.54%+82 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2023Q4 2023Q1 2024Q2 2024Q3 2024YoY ΔTrend
Earnings
Return on Assets-0.53%-0.61%-0.83%-1.68%-1.82%-129 bps
Return on Equity-3.08%-3.52%-4.52%-9.38%-10.14%-706 bps
Net Interest Margin2.06%2.06%1.75%1.70%1.61%-46 bps
Efficiency Ratio122.11%126.05%139.76%179.18%188.15%+6,604 bps
Non-Interest Burden2.59%2.68%2.55%3.43%3.40%+81 bps
Growth
Asset Growth (YoY)-5.98%-9.02%-8.64%-0.54%-0.57%+541 bps
Loan Growth (YoY)0.09%2.01%-0.19%-1.17%-2.92%-302 bps
Deposit Growth (YoY)0.48%-1.48%-4.07%-0.52%-2.23%-270 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.18%0.00%0.04%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.47%0.46%0.48%0.48%0.48%+1 bps
Allowance Coverage of NPLsn/a2.6xn/a11.5xn/an/a
Capital
Tier 1 Leverage Ratio20.72%21.14%21.43%21.13%21.54%+82 bps
Total Risk-Based Capital20.72%21.14%21.43%21.13%21.54%+82 bps
Equity / Assets16.92%18.69%17.85%17.08%18.15%+123 bps
Liquidity & Funding
Loans / Deposits55.61%59.14%55.33%53.70%55.21%-39 bps
Liquid Assets / Assets9.95%7.97%8.61%10.58%8.43%-152 bps
CRE / Total Capitaln/an/an/an/an/an/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Guardian Savings Bank, FSB

Granite City, IL · Cert 29986 · Peer group: banks under $1B in assets in the St. Louis, MO-IL area (n=42-44)

FDIC · 1 branch

Q3 2024

$32.1MAssets
$14.3MLoans
$25.9MDeposits
$5.8MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in the St. Louis, MO-IL area (rank 8 of 42).
  • Widest gap: net interest margin trails 100% of banks under $1B in assets in the St. Louis, MO-IL area (rank 44 of 44).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

-1.82%

Rank 43 of 44

Net Interest Margin

1.61%

Rank 44 of 44

Efficiency Ratio

188.15%

Rank 44 of 44

Equity / Assets

18.15%

Rank 3 of 44

Non-interest income vs. expense

$0.1M$1.2MINCOMEEXPENSE
Unfavorable gap of $1.1M · efficiency ratio beats 2% of banks under $1B in assets in the St. Louis, MO-IL area
Bank 188.15%Peer median 69.9%Q2 2024Q3 2024Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-1.82%0.37%0.75%1.01%Beats 2%43 / 44
Return on Equity-10.04%4.06%7.83%10.43%Beats 2%43 / 44
Net Interest Margin1.61%2.43%2.92%3.37%Beats 0%44 / 44
Efficiency Ratio188.15%63.42%69.89%82.82%Beats 2%44 / 44
Asset Quality
Nonperforming Loans / Loans0.00%0.03%0.24%1.16%Beats 100%8 / 42
Net Charge-Offs / Loans0.00%0.00%0.01%0.04%Beats 100%10 / 42
Capital
Tier 1 Capital Ratio21.54%10.58%12.18%15.78%Beats 89%5 / 44
Total Risk-Based Capital Ratio21.54%11.55%13.17%16.78%Beats 86%6 / 44
Equity / Assets18.15%7.98%9.00%11.61%Beats 93%3 / 44
Liquidity & Funding
Loans / Deposits55.21%64.10%74.65%91.29%18th pctl36 / 44
Loans / Assets44.60%54.74%66.80%80.15%10th pctl38 / 42
Brokered Deposits / Depositsn/aNot reported for this institution