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Guardian Savings Bank


Overview / Commentary
www.bankguardian.com
618-876-5544
3800 Nameoki Road
Granite City, IL 62040

Guardian Savings Bank is headquartered in Granite City and is the 380th largest bank in the state of Illinois. It is also the 4,951st largest bank in the nation. It was established in 1919 and as of December of 2019, 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.

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Health
B+

Data as of Q4 2019

Learn why bank health matters
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-1.5%
Return on Equity - YTD-7.64%
Annual Interest Income$1.1MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$35.9MM$39.9MM
LoansQ4 2019vs Q4 2018$12.5MM$11.7MM
DepositsQ4 2019vs Q4 2018$27.0MM$27.5MM
Equity CapitalQ4 2019vs Q4 2018$7.3MM$7.9MM
Loan Loss AllowanceQ4 2019vs Q4 2018$55.00K$37.00K
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$109.00K$66.00K
Real Estate OwnedQ4 2019vs Q4 2018$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
0.10%$5-Passbook
0.10%$5-Statement
0.05%$5-Christmas Club

Guardian Savings Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW 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

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
1.61%$1k-5 Year CD
1.51%$1k-4 Year CD
1.40%$1k-3 Year CD
1.25%$1k-30 Month CD
1.15%$1k-2 Year CD
0.95%$1k-18 Month CD
0.75%$1k-1 Year CD
0.75%$1k-15 Month CD
0.45%$1k-9 Month CD
0.25%$1k-182 Day CD
0.15%$1k-91 Day CD

Guardian Savings Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.95%$200-18 Month IRA
Locations


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

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