BlastPoint's Banking Scorecard

Guardian Savings Bank

$1B-$10B Specialty: Mortgage OH FDIC cert 27998

Designations: ✓ Community bank

West Chester, OH

13 branches across OH · KY

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 28 in OH.
Deposits +3.6% year over year ($1.2B on the books).
Delinquency rate 0.20%.
Return on assets 2.00%.
Efficiency ratio 47.18% vs a 59.73% peer average.
Loan-to-deposit ratio 88.06% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 28 in OH

View $1B-$10B leaderboard (OH) →

Guardian Savings Bank has 3 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Profitability Leader: Top 15.8% in tier
+ Efficiency Ratio 12.54% below tier average
+ Delinquency Rate 0.67% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 39.2% in tier
- Non-Interest-Bearing Deposit Share 13.40% below tier average
- Net Interest Margin 0.88% below tier average

Get updates when Guardian Savings Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Total Assets ?	$1.4B +3.5% YoY +0.9% QoQ	-$1.4B	$2.8B -0.6% YoY	$36.7B +9.4% YoY	$6.3B +7.7% YoY	29%
Total Loans ?	$1.1B +1.5% YoY +0.1% QoQ	-$880.2M	$2.0B -0.3% YoY	$16.2B +12.1% YoY	$3.2B +9.4% YoY	36%
Total Deposits ?	$1.2B +3.6% YoY +1.2% QoQ	-$1.1B	$2.3B -0.5% YoY	$26.4B +7.6% YoY	$4.9B +7.3% YoY	34%
Return on Assets ?	2.00% +40.9% YoY -2.9% QoQ	+0.61%	1.39% +17.0% YoY	1.21% +9.4% YoY	1.30% +12.1% YoY	Top 11.9% in tier
Net Interest Margin ?	2.99% +17.5% YoY +0.6% QoQ	-0.88%	3.87% +6.2% YoY	3.65% +6.4% YoY	3.95% +4.9% YoY	Bottom 14.6% in tier
Efficiency Ratio ?	47.18% -14.4% YoY +1.9% QoQ	-12.54%	59.73% -12.6% YoY	70.70% -3.8% YoY	70.05% +2.5% YoY	84%
Delinquency Rate ?	0.20% -55.5% YoY +23.8% QoQ	-0.67%	0.87% +11.7% YoY	0.68% +23.3% YoY	0.98% +16.3% YoY	78%
Loan-to-Deposit Ratio ?	88.06% -2.0% YoY -1.1% QoQ	+3.02%	85.04% -0.1% YoY	79.88% +0.7% YoY	79.03% +2.3% YoY	48%
Non-Interest-Bearing Deposit Share ?	7.87% +19.5% YoY +12.8% QoQ	-13.40%	21.27% -1.5% YoY	18.59% +0.9% YoY	21.98% -0.6% YoY	Bottom 7.1% in tier
Nonperforming Asset Ratio ?	0.15% -57.9% YoY +22.8% QoQ	-0.52%	0.67% +11.7% YoY	0.46% +23.9% YoY	0.69% +15.8% YoY	78%
Tier 1 Capital Ratio ?	11.39% -0.6% YoY -2.5% QoQ	-3.45%	14.84% -0.4% YoY	18.68% -0.2% YoY	17.09% +0.8% YoY	24%
Non-Interest Income / Assets ?	0.46% +28.7% YoY +84.9% QoQ	-0.07%	0.53% +2.5% YoY	1.22% +2.7% YoY	0.66% +5.2% YoY	77%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Noninterest-Bearing	7.9% +1.3pp YoY +0.9pp QoQ	-13.5pp	21.4%	18.8%	22.2%	7%
Brokered Deposits	n/a	n/a	9.5%	7.7%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
C&I	n/a	n/a	14.0%	10.2%	12.5%	n/a
CRE	8.3% -0.2pp YoY +0.1pp QoQ	-41.7pp	50.0%	34.2%	41.4%	1%
1-4 Family	92.7% +0.2pp YoY -0.1pp QoQ	+66.3pp	26.4%	50.0%	31.3%	99%
Consumer	n/a	n/a	4.7%	4.7%	5.0%	n/a

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	15.6%	22.1%	19.7%	n/a
Leverage Ratio	11.4% -0.1pp YoY -0.3pp QoQ	+0.1pp	11.3%	12.9%	12.6%	67%
Total Capital Ratio	n/a	n/a	16.7%	23.2%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Full-Time Employees	178 +9 (+5.3%) YoY -11 (-5.8%) QoQ	-136	313	2,433	482	33%
Assets per Employee ($)	$7.8M -1.8% YoY +7.2% QoQ	-$2.6M	$10.5M	$7.6M	$8.8M	37%
Branch Count	13 0 YoY 0 QoQ	-7	20	81	18	42%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.2%	0.4%	n/a
Nonaccrual	0.2% -0.2pp YoY 0.0pp QoQ	-0.6pp	0.8%	0.6%	1.0%	21%
Allowance Coverage	5.36x +122.3% YoY -19.2% QoQ	-13.35x	18.71x	18.95x	20.23x	80%
Net Charge-off Rate (YTD)	-0.0% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.1%	0.2%	11%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
ROE	17.4% +5.1pp YoY -0.4pp QoQ	+4.8pp	12.6%	9.7%	11.6%	84%
Cost of Funds (YTD)	2.7% -0.3pp YoY 0.0pp QoQ	+0.8pp	1.9%	1.7%	1.7%	90%
Net Income ($, YTD)	$13.8M +45.3% YoY — QoQ	-$5.5M	$19.2M	$259.3M	$40.4M	56%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Profitability Leader

growth

#36 of 222 • Top 15.8% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.00%

(Tier: 1.39%, National: 1.30%)

better than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable | QoQ rank declining

Concerns (1)

Capital Thin

risk

#88 of 222 • Bottom 39.2% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 11.39%

(Tier: 14.84%, National: 17.09%)

worse than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (5 metrics)

106

Return on Assets

profitability

Value: 2.00%

Peer Median: 1.39%

#106 of 885 Top 11.9% in $1B-$10B

145

Efficiency Ratio

profitability

Value: 47.18%

Peer Median: 59.73%

#145 of 885 Top 16.3% in $1B-$10B

192

Delinquency Rate

credit_quality

Value: 0.20%

Peer Median: 0.87%

#192 of 882 Top 21.7% in $1B-$10B

195

Nonperforming Asset Ratio

credit_quality

Value: 0.15%

Peer Median: 0.67%

#195 of 885 Top 21.9% in $1B-$10B

204

Non-Interest Income / Assets

revenue_mix

Value: 0.46%

Peer Median: 0.53%

#204 of 885 Top 22.9% in $1B-$10B

Top Weaknesses (3 metrics)

823

Non-Interest-Bearing Deposit Share

funding

Value: 7.87%

Peer Median: 21.27%

#823 of 885 Bottom 7.1% in $1B-$10B

757

Net Interest Margin

profitability

Value: 2.99%

Peer Median: 3.87%

#757 of 885 Bottom 14.6% in $1B-$10B

672

Tier 1 Capital Ratio

capital

Value: 11.39%

Peer Median: 14.84%

#672 of 885 Bottom 24.2% in $1B-$10B