Guardian Savings Bank
Granite City, IL
IDRSSD: 823076
Total Assets
$32.12M
Latest filing
Total Deposits
$25.95M
Latest filing
Net Interest Margin
1.78%
Profitability
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 | 01/01/1919 |
| Community Bank | Yes |
| Ownership Type | Mutual |
| ZIP | 62040 |
| State and County Number | 17119 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 08 |
| Numeric code | 42 |
| Insured by FDIC | Institution closed or not insured by FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | St. Louis, MO-IL |
Operational Info
| Number of Employees | 6 |
| Domestic Offices | 1 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 11/29/2024 |
| Date of Deposit Insurance | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | N/A |
| Data Updated | 11/28/2025 |
| CERT | 29986 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $32.12M |
| Total Deposits | $25.95M |
| Total Liabilities | $26.29M |
| Total Equity Capital | $5.83M |
| Net Income | $-169,000 |
| Net Loans and Leases | $14.26M |
| Assets Per Employee ($Millions) | $5.35M |
| Bank Premises and Fixed Assets | $681.00k |
| Cash and Balances due from Depository Institutions | $2.94M |
| Deposits Held in Domestic Offices | $25.95M |
Key Performance Ratios
| Return on Assets (ROA) | -2.09% |
| Return on Equity (ROE) | -11.85% |
| Net Interest Margin | 1.78% |
| Efficiency Ratio | 207.64% |
| 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 | 18.149% |
| Earning Assets to total Assets | 94.57% |
Income and Expense
| Total Interest Income | $302.00k |
| Total Noninterest Income | $21.00k |
| Total Interest Expense | $166.00k |
| Total Noninterest Expense | $326.00k |
| Net Interest Income | $136.00k |
| Pre-tax Net Operating Income | $-169,000 |
| 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 | $1.50M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $343.00k |
| Total Liabilities and Capital | $32.12M |
Securities
| Securities | $11.91M |
| Available-for-sale debt securities | $11.91M |
| 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?
$32.12M as of the latest filing.
How much are Guardian Savings Bank's total deposits?
$25.95M in total deposits.
Where is Guardian Savings Bank located?
Granite City, IL.
What is the Net Interest Margin?
1.78%.
How many domestic offices does it operate?
1.
When was it established?
01/01/1919.
What is the Return on Assets (ROA)?
-2.09%.
How much are total loans and leases?
$14.26M (latest filing).
What is the total interest income (latest filing)?
$302.00k.