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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 349th largest bank in the state of Illinois. It is also the 4,542nd largest bank in the nation. It was established in 1919 and as of March of 2023, it had grown to 8 employees at 1 location. Guardian Savings Bank's money market rates are 2X the national average, and it has a B health rating.

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Health
B

Data as of Q1 2023

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-0.05%
Return on Equity - YTD-0.27%
Annual Interest Income$261.00K
Assets and Liabilities
AssetsQ1 2023vs Q1 2022$35.4MM$38.5MM
LoansQ1 2023vs Q1 2022$14.4MM$14.6MM
DepositsQ1 2023vs Q1 2022$27.3MM$28.8MM
Equity CapitalQ1 2023vs Q1 2022$6.0MM$6.7MM
Loan Loss AllowanceQ1 2023vs Q1 2022$69.00K$73.00K
Unbacked Noncurrent LoansQ1 2023vs Q1 2022$125.00K$175.00K
Real Estate OwnedQ1 2023vs Q1 2022$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
0.15%$5-Christmas Club
0.10%$5-Passbook
0.10%$5-Statement

Guardian Savings Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.01%*$100k*-Money Market
OTHER TIERS: 0.15% → Up to $2.5k | 0.25% → $2.5k - $25k | 0.55% → $25k - $50k | 0.75% → $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
4.60%$1k-9 Month CD Special - New Money
3.53%$1k-2 Year Bump CD Special
2.26%$1k-5 Year CD
2.16%$1k-4 Year CD
2.01%$1k-3 Year CD
1.76%$1k-2 Year CD
1.76%$1k-30 Month CD
1.51%$1k-1 Year CD
1.51%$1k-15 Month CD
1.51%$1k-18 Month CD
0.50%$1k-182 Day CD
0.35%$1k-91 Day CD

Guardian Savings Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.51%$200-18 Month IRA
Locations


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

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