BlastPoint's Banking Scorecard
Guardian Bank
Valdosta, GA
5 branches across GA
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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 96 in GA.
- Deposits +2.9% year over year ($524.3M on the books).
- Delinquency rate 1.51%.
- Return on assets 1.54%.
- Efficiency ratio 56.50% vs a 64.48% peer average.
- Loan-to-deposit ratio 68.55% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Guardian Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.22% above tier average
- + Efficiency Ratio 7.98% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.55% below tier average
- - Delinquency Rate 0.59% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$597.9M
+5.5% YoY
-0.5% QoQ
|
+$211.3M |
$386.6M
+1.2% YoY
|
$843.5M
+13.2% YoY
|
$6.3B
+7.7% YoY
|
81% |
| Total Loans ? |
$359.4M
+2.7% YoY
+2.5% QoQ
|
+$101.1M |
$258.3M
+1.7% YoY
|
$581.6M
+14.3% YoY
|
$3.2B
+9.4% YoY
|
75% |
| Total Deposits ? |
$524.3M
+2.9% YoY
-1.9% QoQ
|
+$197.6M |
$326.7M
+0.7% YoY
|
$711.6M
+12.3% YoY
|
$4.9B
+7.3% YoY
|
82% |
| Return on Assets ? |
1.54%
+10.4% YoY
-2.5% QoQ
|
+0.22% |
1.32%
+10.8% YoY
|
1.55%
+0.3% YoY
|
1.30%
+12.1% YoY
|
68% |
| Net Interest Margin ? |
3.43%
+7.2% YoY
+0.2% QoQ
|
-0.55% |
3.99%
+5.0% YoY
|
4.42%
+1.2% YoY
|
3.95%
+4.9% YoY
|
24% |
| Efficiency Ratio ? |
56.50%
-2.4% YoY
+2.4% QoQ
|
-7.98% |
64.48%
-3.2% YoY
|
63.07%
+1.6% YoY
|
70.05%
+2.5% YoY
|
68% |
| Delinquency Rate ? |
1.51%
-13.9% YoY
-2.2% QoQ
|
+0.59% |
0.92%
+15.7% YoY
|
0.77%
+14.9% YoY
|
0.98%
+16.3% YoY
|
18% |
| Loan-to-Deposit Ratio ? |
68.55%
-0.3% YoY
+4.5% QoQ
|
-9.40% |
77.95%
+1.0% YoY
|
78.13%
+10.7% YoY
|
79.03%
+2.3% YoY
|
72% |
| Non-Interest-Bearing Deposit Share ? |
16.28%
-7.6% YoY
-7.2% QoQ
|
-5.75% |
22.03%
-0.6% YoY
|
26.00%
-3.3% YoY
|
21.98%
-0.6% YoY
|
29% |
| Nonperforming Asset Ratio ? |
0.98%
-20.9% YoY
-3.1% QoQ
|
+0.31% |
0.67%
+16.4% YoY
|
0.54%
+11.1% YoY
|
0.69%
+15.8% YoY
|
21% |
| Tier 1 Capital Ratio ? |
17.36%
+4.7% YoY
+0.4% QoQ
|
+1.45% |
15.91%
+1.4% YoY
|
19.50%
+7.6% YoY
|
17.09%
+0.8% YoY
|
78% |
| Non-Interest Income / Assets ? |
0.14%
-21.6% YoY
+86.1% QoQ
|
-0.42% |
0.57%
+7.6% YoY
|
0.44%
+3.6% YoY
|
0.66%
+5.2% YoY
|
31% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
16.3%
-1.3pp YoY -1.3pp QoQ |
-5.9pp | 22.1% | 26.2% | 22.2% | 28% |
| Brokered Deposits |
0.9%
-1.1pp YoY 0.0pp QoQ |
-7.0pp | 7.9% | 7.5% | 8.5% | 17% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
9.9%
-1.6pp YoY -0.1pp QoQ |
-1.7pp | 11.6% | 9.7% | 12.5% | 52% |
| CRE |
63.3%
-0.1pp YoY +0.3pp QoQ |
+23.7pp | 39.5% | 48.9% | 41.4% | 88% |
| 1-4 Family |
23.5%
+2.1pp YoY -0.3pp QoQ |
-9.2pp | 32.6% | 31.7% | 31.3% | 38% |
| Consumer |
1.2%
0.0pp YoY 0.0pp QoQ |
-3.0pp | 4.1% | 4.8% | 5.0% | 32% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
17.4%
+0.8pp YoY +0.1pp QoQ |
-1.5pp | 18.8% | 20.9% | 19.7% | 66% |
| Leverage Ratio |
11.5%
+0.5pp YoY +0.3pp QoQ |
-0.6pp | 12.2% | 14.0% | 12.6% | 58% |
| Total Capital Ratio |
18.6%
+0.8pp YoY +0.1pp QoQ |
-1.3pp | 19.9% | 22.1% | 20.8% | 66% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
48
0 YoY 0 QoQ |
-11 | 58 | 98 | 482 | 50% |
| Assets per Employee ($) |
$12.5M
+5.5% YoY -0.5% QoQ |
+$4.9M | $7.5M | $7.5M | $8.8M | 94% |
| Branch Count |
5
0 YoY 0 QoQ |
0 | 4 | 6 | 18 | 55% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.1% | 0.4% | n/a |
| Nonaccrual |
1.5%
-0.2pp YoY 0.0pp QoQ |
+0.6pp | 0.9% | 0.8% | 1.0% | 82% |
| Allowance Coverage |
1.05x
+14.1% YoY -0.3% QoQ |
-23.11x | 24.15x | 38.10x | 20.23x | 28% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 57% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
17.7%
-1.1pp YoY -0.6pp QoQ |
+5.5pp | 12.2% | 13.6% | 11.6% | 81% |
| Cost of Funds (YTD) |
1.8%
-0.3pp YoY 0.0pp QoQ |
+0.1pp | 1.7% | 1.6% | 1.7% | 60% |
| Net Income ($, YTD) |
$4.6M
+14.3% YoY — QoQ |
+$2.0M | $2.6M | $6.6M | $40.4M | 85% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.