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Overview / Commentary
6100 West Chester Road
West Chester, OH 45069

Guardian Savings Bank, A Federal Savings Bank is headquartered in West Chester and is the 22nd largest bank in the state of Ohio. It is also the 791st largest bank in the nation. It was established in 1895 and as of December of 2016, it had grown to 180 employees at 11 locations. Guardian Savings Bank, A Federal Savings Bank has an A health rating.

Reviews (1)

Why I'm happy with my bank.

There are always options when it comes to banking. Within a 20 minute drive I can find numerous large banks, a few small banks, and several credit unions. Despite all that, I've maintained an account with Guardian for over 20 years. I like having tellers that remember my name. I enjoy courtesy calls when my account needs attention. I feel good knowing that my money is held by a local bank, and not being used for rent in a skyscraper in a big city hundreds of miles away. I like that I can refinance my house easily, and quickly, and for only $250. I like that I call a local number, and speak to a live person when I have questions. I enjoy the smile on my sons face when he can look at his bank savings book, and see how his money is growing. I like my bank, and I'll never leave them.


Health Grade Components

FDIC Certificate #27998
Year Established1895
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD2.3%
Return on Equity - YTD21.76%
Annual Interest Income$25.8MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$933.7MM$861.5MM
LoansQ4 2016vs Q4 2015$674.2MM$681.0MM
DepositsQ4 2016vs Q4 2015$827.2MM$762.6MM
Equity CapitalQ4 2016vs Q4 2015$96.2MM$91.8MM
Loan Loss AllowanceQ4 2016vs Q4 2015$9.2MM$8.6MM
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$10.5MM$12.6MM
Real Estate OwnedQ4 2016vs Q4 2015$1.4MM$235.00K

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Guardian Savings Bank, A Federal Savings Bank has 11 locations. Click to view all Guardian Savings Bank, A Federal Savings Bank locations.