Guardian Savings Bank
West Chester, OH
IDRSSD: 727174
Total Assets
$1.36B
Latest filing
Total Deposits
$1.20B
Latest filing
Net Interest Margin
2.90%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
242071509WEST CHESTER, OH
Key People
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Locations
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Main Office
Guardian Savings Bank
6100 W Chester Rd
West Chester, OH 45069
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1895FDIC Certificate 40832
Branches (12)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Guardian Savings Bank (Main) | 6100 W Chester Rd | West Chester, OH |
| 5671 SPRINGDALE RD BRANCH | 5671 Springdale Rd | Cincinnati, OH |
| 5511 HARRISON AVE BRANCH | 5511 Harrison Ave | Cincinnati, OH |
| OHIO PIKE BRANCH | 560 Ohio Pike | Cincinnati, OH |
| KYLES LANE BRANCH | 10 Kyles Ln | Fort Wright, KY |
| FLORENCE BRANCH | 7550 Mall Rd | Florence, KY |
| FORT THOMAS BRANCH | 14 S Fort Thomas Ave | Fort Thomas, KY |
| CINCINNATI BRANCH | 11333 Princeton Pike | Cincinnati, OH |
Showing 7 of 12
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 | State chartered stock savings banks / S&L |
| Primary Regulator | FDIC |
| Established Date | 01/01/1895 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 45069 |
| State and County Number | 39017 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 04 |
| Numeric code | 41 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Cincinnati, OH-KY-IN |
Operational Info
| Number of Employees | 172 |
| Domestic Offices | 13 |
| 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 | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | www.guardiansavingsbank.com |
| Data Updated | 01/30/2026 |
| CERT | 27998 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.36B |
| Total Deposits | $1.20B |
| Total Liabilities | $1.20B |
| Total Equity Capital | $155.72M |
| Net Income | $5.35M |
| Net Loans and Leases | $1.12B |
| Assets Per Employee ($Millions) | $8.22M |
| Bank Premises and Fixed Assets | $10.85M |
| Cash and Balances due from Depository Institutions | $168.16M |
| Deposits Held in Domestic Offices | $1.20B |
Key Performance Ratios
| Return on Assets (ROA) | 1.58% |
| Return on Equity (ROE) | 13.84% |
| Net Interest Margin | 2.9% |
| Efficiency Ratio | 57.79% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.476% |
| Earning Assets to total Assets | 94.83% |
Income and Expense
| Total Interest Income | $18.69M |
| Total Noninterest Income | $3.32M |
| Total Interest Expense | $9.33M |
| Total Noninterest Expense | $7.33M |
| Net Interest Income | $9.36M |
| Pre-tax Net Operating Income | $5.35M |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $1.74M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $5.76M |
| Total Liabilities and Capital | $1.36B |
Securities
| Securities | $0 |
| Available-for-sale debt securities | $0 |
| 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 Savings Bank?
$1.36B as of the latest filing.
How much are Guardian Savings Bank's total deposits?
$1.20B in total deposits.
Where is Guardian Savings Bank located?
West Chester, OH.
What is the Net Interest Margin?
2.90%.
How many domestic offices does it operate?
13.
When was it established?
01/01/1895.
What is the Return on Assets (ROA)?
1.58%.
How much are total loans and leases?
$1.12B (latest filing).
What is the total interest income (latest filing)?
$18.69M.