Guardian Bank
Valdosta, GA
IDRSSD: 2989006
Total Assets
$590.89M
Latest filing
Total Deposits
$525.47M
Latest filing
Net Interest Margin
3.40%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
061220049VALDOSTA, GA
Key People
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Locations
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Main Office
Guardian Bank
701 Wildwood Plantation Dr
Valdosta, GA 31602
Full Service - Brick and Mortar
Updated 01/30/2026Established 05/01/2001FDIC Certificate 358181
Branches (4)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Guardian Bank (Main) | 701 Wildwood Plantation Dr | Valdosta, GA |
| ASHLEY STREET OFFICE BRANCH | 1914 N Ashley St | Valdosta, GA |
| NORMAN DRIVE OFFICE BRANCH | 246 Norman Dr | Valdosta, GA |
| CITIZENS EXCHANGE BANK BRANCH | 82 Railroad Ave E | Pearson, GA |
| PELHAM BRANCH | 180 Mathewson Ave Sw | Pelham, GA |
Showing 4 of 4
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 05/01/2001 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 31602 |
| State and County Number | 13185 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 06 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Valdosta, GA |
Operational Info
| Number of Employees | 49 |
| Domestic Offices | 5 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 05/01/2001 |
| Primary Insurance Agency | DIF |
| Website | https://www.guardian.bank |
| Data Updated | 01/30/2026 |
| CERT | 57127 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $590.89M |
| Total Deposits | $525.47M |
| Total Liabilities | $540.16M |
| Total Equity Capital | $50.74M |
| Net Income | $2.20M |
| Net Loans and Leases | $361.25M |
| Assets Per Employee ($Millions) | $11.82M |
| Bank Premises and Fixed Assets | $5.09M |
| Cash and Balances due from Depository Institutions | $35.90M |
| Deposits Held in Domestic Offices | $525.47M |
Key Performance Ratios
| Return on Assets (ROA) | 1.5% |
| Return on Equity (ROE) | 17.31% |
| Net Interest Margin | 3.4% |
| Efficiency Ratio | 57.49% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.01% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.586% |
| Earning Assets to total Assets | 96.17% |
Income and Expense
| Total Interest Income | $7.56M |
| Total Noninterest Income | $433.00k |
| Total Interest Expense | $2.79M |
| Total Noninterest Expense | $2.99M |
| Net Interest Income | $4.77M |
| Pre-tax Net Operating Income | $2.20M |
| Provision for Credit Losses | $17.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $575.00k |
| Other borrowed funds | $12.25M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.44M |
| Total Liabilities and Capital | $590.89M |
Securities
| Securities | $177.66M |
| Available-for-sale debt securities | $177.66M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Guardian Bank?
$590.89M as of the latest filing.
How much are Guardian Bank's total deposits?
$525.47M in total deposits.
Where is Guardian Bank located?
Valdosta, GA.
What is the Net Interest Margin?
3.40%.
How many domestic offices does it operate?
5.
When was it established?
05/01/2001.
What is the Return on Assets (ROA)?
1.5%.
How much are total loans and leases?
$361.25M (latest filing).
What is the total interest income (latest filing)?
$7.56M.