Total Assets
$591M
Total balance-sheet footings
FDIC Cert #57127 · Valdosta, Georgia · Est. 2001
Guardian Bank - FDIC Bank Health Profile
A community-scale look at Guardian Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $591M
- Total assets
- B
- Health grade · Good
- 1.45%
- Return on assets
- 11.1%
- Tier 1 capital
Data updated July 2026
The verdict
Guardian Bank earns a PlainBankData health grade of B (76/100), with well-capitalized at 11.06% Tier 1, profitable at 1.45% ROA, efficient (57% cost ratio).
- #1,587
- largest of 4,313 FDIC banks by assets
- 63rd
- percentile by asset size, nationally
- 11.06%
- Tier 1 ratio - above the 10% well-capitalized line
- 71st
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Guardian Bank's 76/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Guardian Bank's composite health score
Tier 1 Capital Ratio (11.06%) 28/40
Return on Assets (ROA) (1.45%) 20/25
Texas Ratio (10.62%) 16/20
Efficiency Ratio (57.46%) 12/15
76 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$525M
Customer-funded liabilities
Net Loans
$361M
Outstanding loan book
Net Income
$8M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Guardian Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Guardian Bank's score of 76/100 falls in the highlighted band.
Guardian Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Guardian Bank's $591M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
11.06% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
11.06%
Texas Ratio
10.62%
Equity Capital
$51M
Profitability metrics
Return on Assets (ROA)
71st percentile nationally
1.45%
Return on Equity (ROE)
18.24%
Efficiency Ratio
57.46%
What the numbers say about Guardian Bank
Guardian Bank is an FDIC-insured institution (Certificate #57127) headquartered in Valdosta, Georgia, established in 2001. It holds $591M in total assets - 1,587th of 4,313 FDIC-insured banks, $525M in customer deposits, and $361M in net loans. Its capital position: a Tier 1 ratio of 11.06%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 10.62% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of B (76 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Guardian Bank sits 32nd of 129 banks headquartered in Georgia by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$30M
Interest Income
$2M
Non-Interest Income
$12M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Guardian Bank reports a Texas Ratio of 10.62% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
10.62% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Georgia by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Guardian Bank (FDIC Cert #57127) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Georgia
All Georgia banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Ameris BankAtlanta | $27.4B | A | 1.64% |
| RBC Bank, (Georgia) National AssociationAtlanta | $8.0B | A | 2.48% |
| Metro City BankDoraville | $4.7B | A | 1.79% |
| Colony BankFitzgerald | $3.7B | B | 0.92% |
| Georgia Banking CompanyAtlanta | $2.7B | B | 0.96% |
| United BankZebulon | $2.3B | A | 2.66% |
| Pinnacle BankElberton | $2.3B | B | 1.29% |
| Queensborough National Bank & Trust CompanyLouisville | $2.2B | A | 1.05% |
Frequently asked questions
What is Guardian Bank's health grade?▼
Guardian Bank receives a health grade of B (76/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Guardian Bank?▼
Guardian Bank holds $591M in total assets and $525M in deposits, ranking 1,587th of 4,313 FDIC-insured banks by asset size. It is headquartered in Valdosta, Georgia.
Is my money safe at Guardian Bank?▼
Yes, deposits at Guardian Bank (Certificate #57127) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Guardian Bank's Tier 1 Capital Ratio?▼
Guardian Bank has a Tier 1 Capital Ratio of 11.06%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Guardian Bank?▼
Guardian Bank has a Texas Ratio of 10.62%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Guardian Bank?▼
Guardian Bank has an Efficiency Ratio of 57.46%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Guardian Bank's profile as a depositor or analyst.
- Guardian Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Guardian Bank against other Georgia banks before moving funds. Georgia banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.