Guardian Bank
Valdosta, GA · Cert 57127 · Peer group: banks under $1B in assets (n=581-629) · WB&T Bankshares Inc.
State charter, non-member · FDIC · 2 affiliate banks · 5 branches (8 in holding)
Q2 2026
$597.9MAssets
$365.1MLoans
$524.3MDeposits
$52.7MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 79% of banks under $1B in assets (rank 135 of 629).
- Widest gap: nonperforming loans / loans trails 81% of banks under $1B in assets (rank 473 of 581).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.21%
Rank 235 of 629
Net Interest Margin
3.25%
Rank 408 of 629
Efficiency Ratio
56.50%
Rank 135 of 629
Equity / Assets
8.81%
Rank 498 of 629
Non-interest income vs. expense
Unfavorable gap of $10.4M · efficiency ratio beats 79% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.21% | 0.60% | 1.01% | 1.45% | Beats 63% | 235 / 629 | | |
| Return on Equity | 13.71% | 5.38% | 9.30% | 13.28% | Beats 77% | 142 / 629 | | |
| Net Interest Margin | 3.25% | 3.03% | 3.54% | 4.05% | Beats 35% | 408 / 629 | | |
| Efficiency Ratio | 56.50% | 58.35% | 67.79% | 79.08% | Beats 79% | 135 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.49% | 0.09% | 0.46% | 1.20% | Beats 19% | 473 / 581 | | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.01% | 0.06% | Beats 46% | 317 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 17.36% | 11.24% | 13.84% | 18.77% | Beats 71% | 184 / 629 | | |
| Total Risk-Based Capital Ratio | 18.62% | 11.58% | 14.43% | 19.66% | Beats 72% | 175 / 629 | | |
| Equity / Assets | 8.81% | 9.09% | 10.65% | 13.80% | Beats 21% | 498 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 69.63% | 67.24% | 80.90% | 93.48% | 30th pctl | 416 / 594 | | |
| Loans / Assets | 61.07% | 53.31% | 67.71% | 78.15% | 37th pctl | 399 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |