Guardian Savings Bank

Popular Accounts at this Bank

APY	ACCOUNT TYPE	HOW THEY COMPARE
2.52%	5-year CD	3.10% - American Express National Bank 60 Month CD
0.60%	1-year CD	1.30% - National Average
0.10%	Savings	2.10% - American Express National Bank High Yield Savings Account

View all Guardian Savings Bank rates »

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 401^st largest bank in the state of Illinois. It is also the 5,188^th largest bank in the nation. It was established in 1919 and as of September 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.

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Health

Data as of Q3 2018

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 Established	1919
Employees	8
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	-0.15%
Return on Equity - YTD	-0.74%
Annual Interest Income	$811.00K

Assets and Liabilities
Assets	Q3 2018vs Q3 2017	$37.2MM$40.4MM
Loans	Q3 2018vs Q3 2017	$11.4MM$10.8MM
Deposits	Q3 2018vs Q3 2017	$27.5MM$29.8MM
Equity Capital	Q3 2018vs Q3 2017	$7.9MM$8.0MM
Loan Loss Allowance	Q3 2018vs Q3 2017	$37.00K$45.00K
Unbacked Noncurrent Loans	Q3 2018vs Q3 2017	$67.00K$92.00K
Real Estate Owned	Q3 2018vs Q3 2017	$0$0

Rates

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Savings
Money Market
Checking
CD
IRA

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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
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
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

APY	MIN	MAX	ACCOUNT NAME
2.52%	$1k	-	5 Year CD
2.52%	$1k	-	4 Year CD Special
2.01%	$1k	-	3 Year CD
2.01%	$1k	-	30 Month CD Special
0.90%	$1k	-	2 Year CD
0.75%	$1k	-	18 Month CD
0.65%	$1k	-	15 Month CD
0.60%	$1k	-	1 Year CD
0.35%	$1k	-	9 Month CD
0.30%	$1k	-	182 Day CD
0.20%	$1k	-	91 Day CD

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

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