BlastPoint's Banking Scorecard
Guardian Bank
Community
Specialty: Commercial
GA
FDIC cert 57127
Valdosta, GA
1484
banks in Community tier nationally
36 in GA
View Community leaderboard (GA) →
Guardian Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 38% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$590.9M
+3.5% YoY
+2.5% QoQ
|
-$800.6M |
$1.4B
+2.0% YoY
|
$791.9M
+9.3% YoY
|
$5.9B
+6.5% YoY
|
Bottom 13% in tier |
| Total Loans ? |
$361.2M
-1.8% YoY
+1.0% QoQ
|
-$614.2M |
$975.5M
+2.4% YoY
|
$538.5M
+10.1% YoY
|
$3.1B
+8.5% YoY
|
Bottom 10% in tier |
| Total Deposits ? |
$525.5M
+1.7% YoY
+2.8% QoQ
|
-$639.1M |
$1.2B
+1.7% YoY
|
$671.4M
+8.0% YoY
|
$4.7B
+6.3% YoY
|
17% |
| Return on Assets ? |
1.45%
+52.5% YoY
+1.1% QoQ
|
+0.28% |
1.16%
+17.2% YoY
|
1.46%
+11.8% YoY
|
1.12%
+15.6% YoY
|
71% |
| Net Interest Margin ? |
3.26%
+19.0% YoY
+1.3% QoQ
|
-0.41% |
3.66%
+9.1% YoY
|
4.40%
+3.8% YoY
|
3.75%
+7.1% YoY
|
28% |
| Efficiency Ratio ? |
57.46%
-12.6% YoY
+0.0% QoQ
|
-5.17% |
62.63%
-5.3% YoY
|
59.78%
-5.5% YoY
|
65.09%
-5.1% YoY
|
65% |
| Delinquency Rate ? |
1.66%
-0.5% YoY
+1.7% QoQ
|
+1.03% |
0.63%
+18.3% YoY
|
0.67%
+32.9% YoY
|
0.66%
+20.3% YoY
|
Bottom 13% in tier |
| Loan-to-Deposit Ratio ? |
68.75%
-3.4% YoY
-1.8% QoQ
|
-14.31% |
83.06%
+0.3% YoY
|
72.12%
+2.8% YoY
|
78.04%
+0.7% YoY
|
18% |
| Non-Interest-Bearing Deposit Share ? |
18.37%
+2.8% YoY
+5.6% QoQ
|
-2.68% |
21.05%
-0.9% YoY
|
27.08%
-1.1% YoY
|
21.79%
-1.3% YoY
|
41% |
| Nonperforming Asset Ratio ? |
1.11%
-13.7% YoY
-2.4% QoQ
|
+0.61% |
0.50%
+20.3% YoY
|
0.46%
+30.5% YoY
|
0.48%
+20.8% YoY
|
17% |
| Tier 1 Capital Ratio ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-10.24% |
10.24%
-0.6% YoY
|
12.12%
+2.1% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.36%
+23.6% YoY
+22.8% QoQ
|
-0.38% |
0.74%
-1.3% YoY
|
0.53%
-2.9% YoY
|
0.65%
+0.6% YoY
|
30% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Capital Thin
risk
#163 of 432 · Bottom 38% 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
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
71
71th pctile
Return on Assets
Current: 1.45% · Tier avg: 1.16%
65
65th pctile
Efficiency Ratio
Current: 57.46% · Tier avg: 62.63%
41
41th pctile
Non-Interest-Bearing Deposit Share
Current: 18.37% · Tier avg: 21.05%
30
30th pctile
Non-Interest Income / Assets
Current: 0.36% · Tier avg: 0.74%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
28
28th pctile
Net Interest Margin
Current: 3.26% · Tier avg: 3.66%
18
18th pctile
Loan-to-Deposit Ratio
Current: 68.75% · Tier avg: 83.06%
17
17th pctile
Nonperforming Asset Ratio
Current: 1.11% · Tier avg: 0.50%
17
17th pctile
Total Deposits
Current: $525.5M · Tier avg: $1.2B
13
13th pctile
Total Assets
Current: $590.9M · Tier avg: $1.4B
13
13th pctile
Delinquency Rate
Current: 1.66% · Tier avg: 0.63%
10
10th pctile
Total Loans
Current: $361.2M · Tier avg: $975.5M
Top Weaknesses
10
10th pctile
Total Loans
Current: $361.2M · Tier avg: $975.5M
13
13th pctile
Delinquency Rate
Current: 1.66% · Tier avg: 0.63%
13
13th pctile
Total Assets
Current: $590.9M · Tier avg: $1.4B
17
17th pctile
Total Deposits
Current: $525.5M · Tier avg: $1.2B
17
17th pctile
Nonperforming Asset Ratio
Current: 1.11% · Tier avg: 0.50%
18
18th pctile
Loan-to-Deposit Ratio
Current: 68.75% · Tier avg: 83.06%
28
28th pctile
Net Interest Margin
Current: 3.26% · Tier avg: 3.66%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
30
30th pctile
Non-Interest Income / Assets
Current: 0.36% · Tier avg: 0.74%
41
41th pctile
Non-Interest-Bearing Deposit Share
Current: 18.37% · Tier avg: 21.05%
65
65th pctile
Efficiency Ratio
Current: 57.46% · Tier avg: 62.63%
71
71th pctile
Return on Assets
Current: 1.45% · Tier avg: 1.16%