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
Unfavorable gap of $1.1M · efficiency ratio beats 2% of banks under $1B in assets in the St. Louis, MO-IL area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer 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 Margin | 1.61% | 2.43% | 2.92% | 3.37% | Beats 0% | 44 / 44 | | |
| Efficiency Ratio | 188.15% | 63.42% | 69.89% | 82.82% | Beats 2% | 44 / 44 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.03% | 0.24% | 1.16% | Beats 100% | 8 / 42 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.04% | Beats 100% | 10 / 42 | | |
| Capital |
| Tier 1 Capital Ratio | 21.54% | 10.58% | 12.18% | 15.78% | Beats 89% | 5 / 44 | | |
| Total Risk-Based Capital Ratio | 21.54% | 11.55% | 13.17% | 16.78% | Beats 86% | 6 / 44 | | |
| Equity / Assets | 18.15% | 7.98% | 9.00% | 11.61% | Beats 93% | 3 / 44 | | |
| Liquidity & Funding |
| Loans / Deposits | 55.21% | 64.10% | 74.65% | 91.29% | 18th pctl | 36 / 44 | | |
| Loans / Assets | 44.60% | 54.74% | 66.80% | 80.15% | 10th pctl | 38 / 42 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |