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

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

Guardian Savings Bank has 4 strengths but faces 2 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 11.3% in tier
+ Revenue Diversifier: Top 46.1% in tier
+ Efficiency Ratio 14.75% below tier average
+ Delinquency Rate 0.73% below tier average

Key Concerns

Areas that may need attention

- Non-Interest-Bearing Deposit Share 14.32% below tier average
- Net Interest Margin 0.85% below tier average

Get updates when Guardian Savings Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Total Assets ?	$1.4B +3.0% YoY +1.8% QoQ	-$1.4B	$2.8B -0.1% YoY	$35.8B +10.6% YoY	$6.2B +9.1% YoY	28%
Total Loans ?	$1.1B +1.8% YoY -3.4% QoQ	-$882.7M	$2.0B +0.6% YoY	$15.7B +12.8% YoY	$3.2B +10.8% YoY	36%
Total Deposits ?	$1.2B +2.6% YoY +1.7% QoQ	-$1.1B	$2.3B -0.3% YoY	$25.9B +8.5% YoY	$4.8B +8.2% YoY	32%
Return on Assets ?	2.06% +50.3% YoY +22.9% QoQ	+0.69%	1.37% +19.6% YoY	1.12% +9.9% YoY	1.23% +13.4% YoY	Top 8.5% in tier
Net Interest Margin ?	2.97% +23.0% YoY +9.5% QoQ	-0.85%	3.82% +6.9% YoY	3.58% +7.5% YoY	3.89% +5.7% YoY	15%
Efficiency Ratio ?	46.31% -17.2% YoY -11.7% QoQ	-14.75%	61.06% -4.6% YoY	72.65% -4.0% YoY	66.95% -4.1% YoY	Top 13.0% in tier
Delinquency Rate ?	0.16% -65.8% YoY -38.9% QoQ	-0.73%	0.89% +14.1% YoY	0.65% +14.5% YoY	0.95% +18.8% YoY	83%
Loan-to-Deposit Ratio ?	89.01% -0.8% YoY -5.0% QoQ	+4.81%	84.20% +0.3% YoY	79.14% +0.8% YoY	76.70% +0.9% YoY	42%
Non-Interest-Bearing Deposit Share ?	6.97% +14.4% YoY -5.9% QoQ	-14.32%	21.29% -2.5% YoY	18.08% -0.4% YoY	22.01% -1.2% YoY	Bottom 6.9% in tier
Nonperforming Asset Ratio ?	0.12% -66.2% YoY -42.0% QoQ	-0.55%	0.67% +15.6% YoY	0.44% +14.5% YoY	0.67% +19.3% YoY	82%
Tier 1 Capital Ratio ?	11.68% +2.3% YoY +1.7% QoQ	-3.48%	15.16% +2.0% YoY	19.44% +3.1% YoY	17.06% +0.8% YoY	27%
Non-Interest Income / Assets ?	0.25% +26.7% YoY -73.0% QoQ	-0.01%	0.26% +1.6% YoY	0.57% -2.4% YoY	0.32% +4.1% YoY	80%

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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 (2)

Profitability Leader

growth

#26 of 221 • Top 11.3% in tier

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

Why this signature

Return on Assets: 2.06%

(Tier: 1.37%, National: 1.23%)

better than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Revenue Diversifier

growth

#103 of 221 • Top 46.1% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.25%

(Tier: 0.26%, National: 0.32%)

but worse than tier avg

Return on Assets: 2.06%

(Tier: 1.37%, National: 1.23%)

better than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

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 884 peers in $1B-$10B

Top Strengths (5 metrics)

Return on Assets

profitability

Value: 2.06%

Peer Median: 1.37%

#76 of 884 Top 8.5% in $1B-$10B

116

Efficiency Ratio

profitability

Value: 46.31%

Peer Median: 61.06%

#116 of 884 Top 13.0% in $1B-$10B

152

Delinquency Rate

credit_quality

Value: 0.16%

Peer Median: 0.89%

#152 of 880 Top 17.2% in $1B-$10B

158

Nonperforming Asset Ratio

credit_quality

Value: 0.12%

Peer Median: 0.67%

#158 of 884 Top 17.8% in $1B-$10B

178

Non-Interest Income / Assets

revenue_mix

Value: 0.25%

Peer Median: 0.26%

#178 of 884 Top 20.0% in $1B-$10B

Top Weaknesses (2 metrics)

824

Non-Interest-Bearing Deposit Share

funding

Value: 6.97%

Peer Median: 21.29%

#824 of 884 Bottom 6.9% in $1B-$10B

748

Net Interest Margin

profitability

Value: 2.97%

Peer Median: 3.82%

#748 of 884 Bottom 15.5% in $1B-$10B