Overview / Commentary
Guardian Savings Bank is headquartered in Granite City and is the 393rd largest bank in the state of Illinois. It is also the 5,091st largest bank in the nation. It was established in 1919 and as of December of 2018, it had grown to 8 employees at 1 location. Guardian Savings Bank's money market rates are 14% higher than the national average, and it has a B health rating.
Health
B
Data as of Q4 2018
Learn why bank health mattersAdditional 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 Established | 1919 |
| Employees | 8 |
| Primary Regulator | FDIC |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | -0.2% |
| Return on Equity - YTD | -0.98% |
| Annual Interest Income | $1.1MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q4 2018vs Q4 2017 | $39.9MM$40.2MM |
| Loans | Q4 2018vs Q4 2017 | $11.7MM$11.1MM |
| Deposits | Q4 2018vs Q4 2017 | $27.5MM$30.0MM |
| Equity Capital | Q4 2018vs Q4 2017 | $7.9MM$8.0MM |
| Loan Loss Allowance | Q4 2018vs Q4 2017 | $37.00K$45.00K |
| Unbacked Noncurrent Loans | Q4 2018vs Q4 2017 | $66.00K$63.00K |
| Real Estate Owned | Q4 2018vs Q4 2017 | $0$37.00K |
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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.10% | $5 | - | Passbook | |
| 0.10% | $5 | - | Statement | |
| 0.05% | $5 | - | Christmas Club |
Guardian Savings Bank Money Market Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 0.50%* | $100k* | - | Money Market | ||
| OTHER TIERS: 0.10% → Up to $2.5k | 0.20% → $2.5k - $25k | 0.25% → $25k - $50k | 0.35% → $50k - $100k | |||||
Guardian Savings Bank Checking Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW 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
Guardian Savings Bank IRA Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.75% | $200 | - | 18 Month IRA |
Locations
| Guardian Savings Bank Locations | ||
|---|---|---|
| Guardian Savings Bank | 3800 Nameoki Road | Granite City, IL 62040 |