Overview / Commentary
Guardian Savings Bank is headquartered in GRANITE CITY and is the 335th largest bank in the state of Illinois. It is also the 4,405th largest bank in the nation. It was established in 1919 and as of September of 2024, it had grown to 6 employees at 1 location. Guardian Savings Bank has a B health rating.
Health
B
Data as of Q3 2024
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, and a negative return on equity.
Health Grade Components
| Overall | |
|---|---|
| FDIC Certificate # | 29986 |
| Year Established | 1919 |
| Employees | 6 |
| Primary Regulator | FDIC |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | -1.82% |
| Return on Equity - YTD | -10.14% |
| Annual Interest Income | $856K |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q3 2024vs Q3 2023 | $32.1MM$32.3MM |
| Loans | Q3 2024vs Q3 2023 | $14.3MM$14.7MM |
| Deposits | Q3 2024vs Q3 2023 | $26MM$26.5MM |
| Equity Capital | Q3 2024vs Q3 2023 | $5.8MM$5.5MM |
| Loan Loss Allowance | Q3 2024vs Q3 2023 | $69K$69K |
| Unbacked Noncurrent Loans | Q3 2024vs Q3 2023 | $0$0 |
| Real Estate Owned | Q3 2024vs Q3 2023 | $0$47K |