Guardian Savings Bank


Overview / Commentary
618-876-5544
3800 Nameoki Road
Granite City, IL 62040

Guardian Savings Bank is headquartered in Granite City and is the 374th largest bank in the state of Illinois. It is also the 4,821st largest bank in the nation. It was established in 1919 and as of December of 2020, it had grown to 8 employees at 1 location. Guardian Savings Bank has a B+ health rating.

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Health
B+
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. Guardian Savings Bank has a low asset base.

Health Grade Components

Overall
FDIC Certificate #29986
Year Established1919
Employees8
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD-0.23%
Return on Equity - YTD-1.17%
Annual Interest Income$1.0MM
Assets and Liabilities
AssetsQ4 2020vs Q4 2019$36.5MM$35.9MM
LoansQ4 2020vs Q4 2019$15.5MM$12.5MM
DepositsQ4 2020vs Q4 2019$27.9MM$27.0MM
Equity CapitalQ4 2020vs Q4 2019$6.8MM$7.3MM
Loan Loss AllowanceQ4 2020vs Q4 2019$69.00K$55.00K
Unbacked Noncurrent LoansQ4 2020vs Q4 2019$107.00K$109.00K
Real Estate OwnedQ4 2020vs Q4 2019$0$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Guardian Savings Bank Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$5-Passbook
0.05%$5-Statement
0.05%$5-Christmas Club

Guardian Savings Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.35%*$50k*-Money Market
OTHER TIERS: 0.05% Up to $2.5k | 0.15% $2.5k - $25k | 0.25% $25k - $50k

Guardian Savings Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%*$2.5k*-Premier Interest Checking Account
OTHER TIERS: 0.05% Up to $2.5k
0.05%$25-50+ Free Interest Checking

Guardian Savings Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.65%$1k-5 Year CD
0.60%$1k-4 Year CD
0.55%$1k-3 Year CD
0.50%$1k-30 Month CD
0.45%$1k-2 Year CD
0.40%$1k-18 Month CD
0.35%$1k-15 Month CD
0.25%$1k-1 Year CD
0.20%$1k-9 Month CD
0.10%$1k-182 Day CD
0.05%$1k-91 Day CD

Guardian Savings Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.40%$200-18 Month IRA
Locations


Guardian Savings Bank Locations
Guardian Savings Bank3800 Nameoki RoadGranite City, IL 62040

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