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Guardian Bank

Valdosta, GA · Cert 57127 · 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
Loan mix
89%RE $315.7M10%C&I $34.8M1%Consumer $4.1MQ2 2025Q2 2026
Deposit mix
84%Interest-bearing $439.0M16%Noninterest $85.4MQ2 2025Q2 2026

NIM

4.70%Q2 ’245.02%Q2 ’255.00%Q2 ’26+25%+8%

Non-interest income vs. expense

1.82%Q2 ’242.04%Q2 ’252.03%Q2 ’26+3%+11%

Market Position · Valdosta, GA · 2026 SOD (annual) · 11.1% share · #3 of 16 inst. · $0.4B of $3.8B

12.6% Lowndes
17.5% Mitchell
20.5% Atkinson

Executive Summary

  • Earnings: ROA of 1.17%, up 6 bps year over year; NIM at 3.26%.
  • Asset quality: problem loans at 1.49% of loans (-24 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.55%, up 53 bps from a year ago.
  • Funding: loans stand at 69.63% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.17%+6 bps YoY

Net Interest Margin (quarter, annualized)

3.26%+23 bps YoY

Efficiency Ratio (quarter, annualized)

57.82%-94 bps YoY

Tier 1 Leverage Ratio

11.55%+53 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.11%1.19%1.19%1.24%1.17%+6 bps
Return on Equity14.46%14.20%13.65%14.39%13.42%-104 bps
Net Interest Margin3.03%3.08%3.19%3.22%3.26%+23 bps
Efficiency Ratio58.75%56.58%57.49%55.19%57.82%-94 bps
Non-Interest Burden1.60%1.55%1.71%1.64%1.78%+18 bps
Growth
Asset Growth (YoY)0.36%1.32%3.53%1.76%5.50%+514 bps
Loan Growth (YoY)-3.31%-2.44%-1.76%-2.71%2.64%+596 bps
Deposit Growth (YoY)1.49%0.82%1.65%-0.02%2.93%+144 bps
Asset Quality
Nonperforming Loans / Loans1.73%1.61%1.63%1.52%1.49%-24 bps
Net Charge-Offs / Loans0.08%0.00%0.00%0.05%0.00%-8 bps
Allowance / Loans1.58%1.57%1.55%1.60%1.56%-3 bps
Allowance Coverage of NPLs0.9x1.0x1.0x1.0x1.0x+0.1x
Capital
Tier 1 Leverage Ratio11.02%11.47%11.06%11.24%11.55%+53 bps
Total Risk-Based Capital17.84%18.09%11.06%18.55%18.62%+77 bps
Equity / Assets7.95%8.80%8.59%8.69%8.81%+86 bps
Liquidity & Funding
Loans / Deposits69.83%71.09%69.83%66.63%69.63%-20 bps
Liquid Assets / Assets4.62%4.30%4.97%6.33%4.10%-52 bps
CRE / Total Capitaln/a345%354%322%n/an/a