BlastPoint's Banking Scorecard
Guardian Savings Bank
Community
Specialty: Mortgage
OH
FDIC cert 27998
West Chester, OH
1484
banks in Community tier nationally
45 in OH
View Community leaderboard (OH) →
Guardian Savings Bank has 1 strength but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 22% in Community
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 20% in Community
- - Credit Quality Pressure: Bottom 21% in Community
- - Liquidity Strain: Bottom 26% in Community
- - Capital Thin: Bottom 33% in Community
- - Net Interest Margin 0.95% below tier
- - Non-Interest-Bearing Deposit Share 13.64% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.4B
+2.9% YoY
+0.7% QoQ
|
-$34.5M |
$1.4B
+2.0% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
65% |
| Total Loans ? |
$1.1B
+5.2% YoY
-1.0% QoQ
|
+$144.7M |
$975.5M
+2.4% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
72% |
| Total Deposits ? |
$1.2B
+3.2% YoY
+0.7% QoQ
|
+$30.9M |
$1.2B
+1.7% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
67% |
| Return on Assets ? |
1.68%
+47.6% YoY
-1.8% QoQ
|
+0.51% |
1.16%
+17.2% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
83% |
| Net Interest Margin ? |
2.71%
+18.7% YoY
+2.5% QoQ
|
-0.95% |
3.66%
+9.1% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
Bottom 9% in tier |
| Efficiency Ratio ? |
52.48%
-15.0% YoY
+3.8% QoQ
|
-10.15% |
62.63%
-5.3% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
79% |
| Delinquency Rate ? |
0.26%
+41.2% YoY
-23.0% QoQ
|
-0.37% |
0.63%
+18.3% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
64% |
| Loan-to-Deposit Ratio ? |
93.70%
+2.0% YoY
-1.7% QoQ
|
+10.64% |
83.06%
+0.3% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
75% |
| Non-Interest-Bearing Deposit Share ? |
7.41%
+21.3% YoY
+2.2% QoQ
|
-13.64% |
21.05%
-0.9% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
Bottom 6% in tier |
| Nonperforming Asset Ratio ? |
0.22%
+44.4% YoY
-27.5% QoQ
|
-0.28% |
0.50%
+20.3% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
63% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
9.14%
+0.8% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.92%
+26.0% YoY
+35.4% QoQ
|
+0.18% |
0.74%
-1.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
83% |
Signature Analysis
Strengths (1)
Profitability Leader
growth
#81 of 371 · Top 22% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.68%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank improving
Concerns (6)
Credit Risk Growth
risk
#130 of 642 · Bottom 20% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
Credit Quality Pressure
risk
#172 of 808 · Bottom 21% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.26%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank improving
Liquidity Strain
risk
#135 of 513 · Bottom 26% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
93.70%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Capital Thin
risk
#142 of 432 · Bottom 33% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
Net Interest Margin
metric
Bottom 9%
in Community
Why this stands out
Current:
2.71%
(Tier avg: 3.66%, National avg: 3.75%)
Non-Interest-Bearing Deposit Share
metric
Bottom 6%
in Community
Why this stands out
Current:
7.41%
(Tier avg: 21.05%, National avg: 21.79%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
83
83th pctile
Non-Interest Income / Assets
Current: 0.92% · Tier avg: 0.74%
83
83th pctile
Return on Assets
Current: 1.68% · Tier avg: 1.16%
79
79th pctile
Efficiency Ratio
Current: 52.48% · Tier avg: 62.63%
75
75th pctile
Loan-to-Deposit Ratio
Current: 93.70% · Tier avg: 83.06%
72
72th pctile
Total Loans
Current: $1.1B · Tier avg: $975.5M
67
67th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
65
65th pctile
Total Assets
Current: $1.4B · Tier avg: $1.4B
64
64th pctile
Delinquency Rate
Current: 0.26% · Tier avg: 0.63%
63
63th pctile
Nonperforming Asset Ratio
Current: 0.22% · Tier avg: 0.50%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
9
9th pctile
Net Interest Margin
Current: 2.71% · Tier avg: 3.66%
6
6th pctile
Non-Interest-Bearing Deposit Share
Current: 7.41% · Tier avg: 21.05%
Top Weaknesses
6
6th pctile
Non-Interest-Bearing Deposit Share
Current: 7.41% · Tier avg: 21.05%
9
9th pctile
Net Interest Margin
Current: 2.71% · Tier avg: 3.66%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
63
63th pctile
Nonperforming Asset Ratio
Current: 0.22% · Tier avg: 0.50%
64
64th pctile
Delinquency Rate
Current: 0.26% · Tier avg: 0.63%
65
65th pctile
Total Assets
Current: $1.4B · Tier avg: $1.4B
67
67th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
72
72th pctile
Total Loans
Current: $1.1B · Tier avg: $975.5M
75
75th pctile
Loan-to-Deposit Ratio
Current: 93.70% · Tier avg: 83.06%
79
79th pctile
Efficiency Ratio
Current: 52.48% · Tier avg: 62.63%
83
83th pctile
Return on Assets
Current: 1.68% · Tier avg: 1.16%
83
83th pctile
Non-Interest Income / Assets
Current: 0.92% · Tier avg: 0.74%