BlastPoint's Banking Scorecard
Guardian Bank
Valdosta, GA
5 branches across GA
Guardian Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.31% above tier average
- + Efficiency Ratio 10.10% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.50% below tier average
- - Delinquency Rate 0.66% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$601.1M
+1.8% YoY
+1.7% QoQ
|
+$215.1M |
$386.1M
+0.5% YoY
|
$814.8M
+10.0% YoY
|
$6.2B
+9.1% YoY
|
81% |
| Total Loans ? |
$350.5M
-2.8% YoY
-3.0% QoQ
|
+$94.8M |
$255.7M
+1.1% YoY
|
$550.6M
+10.4% YoY
|
$3.2B
+10.8% YoY
|
74% |
| Total Deposits ? |
$534.6M
-0.0% YoY
+1.7% QoQ
|
+$206.7M |
$328.0M
+0.1% YoY
|
$689.3M
+8.9% YoY
|
$4.8B
+8.2% YoY
|
83% |
| Return on Assets ? |
1.58%
+16.1% YoY
+9.2% QoQ
|
+0.31% |
1.27%
+12.9% YoY
|
1.50%
+0.6% YoY
|
1.23%
+13.4% YoY
|
72% |
| Net Interest Margin ? |
3.43%
+9.2% YoY
+5.2% QoQ
|
-0.50% |
3.93%
+6.0% YoY
|
4.36%
+2.3% YoY
|
3.89%
+5.7% YoY
|
27% |
| Efficiency Ratio ? |
55.19%
-3.1% YoY
-3.9% QoQ
|
-10.10% |
65.29%
-4.5% YoY
|
62.13%
-1.5% YoY
|
66.95%
-4.1% YoY
|
73% |
| Delinquency Rate ? |
1.55%
-9.1% YoY
-6.8% QoQ
|
+0.66% |
0.89%
+18.8% YoY
|
0.81%
+32.9% YoY
|
0.95%
+18.8% YoY
|
18% |
| Loan-to-Deposit Ratio ? |
65.57%
-2.7% YoY
-4.6% QoQ
|
-11.07% |
76.64%
+0.8% YoY
|
71.10%
+2.8% YoY
|
76.70%
+0.9% YoY
|
74% |
| Non-Interest-Bearing Deposit Share ? |
17.54%
+1.8% YoY
-4.5% QoQ
|
-4.48% |
22.02%
-1.0% YoY
|
26.76%
-3.7% YoY
|
22.01%
-1.2% YoY
|
34% |
| Nonperforming Asset Ratio ? |
1.01%
-17.8% YoY
-8.8% QoQ
|
+0.38% |
0.64%
+19.7% YoY
|
0.56%
+24.4% YoY
|
0.67%
+19.3% YoY
|
19% |
| Tier 1 Capital Ratio ? |
17.30%
+8.3% YoY
+56.5% QoQ
|
+1.47% |
15.83%
+1.5% YoY
|
17.30%
-0.8% YoY
|
17.06%
+0.8% YoY
|
78% |
| Non-Interest Income / Assets ? |
0.08%
+19.8% YoY
-78.7% QoQ
|
-0.20% |
0.28%
+9.3% YoY
|
0.21%
+3.2% YoY
|
0.32%
+4.1% YoY
|
36% |
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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.