Guardian Savings Bank (FDIC #27998): Bank Stress & Real-Estate Credit Exposure
Guardian Savings Bank (FDIC Cert #27998): bank stress 46/100, moderate, STABLE over 7 days; parent BECK FAMILY TRUST.
Guardian Savings Bank (#27998) lends in 8 counties across 2 states; Guardian Savings Bank (#27998) reaches 180 ZIP codes: Kentucky 5 counties, 89 ZIPs; Ohio 3 counties, 91 ZIPs.
Guardian Savings Bank (#27998) largest markets: Hamilton County, OH (290 branches, 58 ZIPs) (#27998), Jefferson County, KY (43 branches, 43 ZIPs) (#27998), Clermont County, OH (23 branches, 23 ZIPs) (#27998), Fayette County, KY (38 branches, 19 ZIPs) (#27998), Butler County, OH (18 branches, 18 ZIPs) (#27998), Kenton County, KY (12 branches, 12 ZIPs) (#27998).
Guardian Savings Bank (#27998) reports $1.39 billion in total assets; Guardian Savings Bank (#27998) equity $158.0 million (11.3% of Guardian Savings Bank (#27998) assets); Guardian Savings Bank (#27998) domestic deposits $1.23 billion; Guardian Savings Bank (#27998) net income $13.8 million; Guardian Savings Bank (#27998) return on assets 2.00%; Guardian Savings Bank (#27998) return on equity 17.42%; Guardian Savings Bank (#27998) net interest income $19.7 million; Guardian Savings Bank (#27998) call report June 30, 2026.
Guardian Savings Bank (#27998) noncurrent real-estate loans: none reported; Guardian Savings Bank (#27998) net charge-offs on real estate 0.20%.
Guardian Savings Bank (#27998) net interest margin 2.99% against an eight-quarter Guardian Savings Bank (#27998) average of 2.60% (Guardian Savings Bank (#27998) compression -0.38 points); Guardian Savings Bank (#27998) rate-exposure score 40/100, Guardian Savings Bank (#27998) fixed-rate trap 40/100; Guardian Savings Bank (#27998) risk type credit driven; Guardian Savings Bank (#27998) rate regime rates elevated, Guardian Savings Bank (#27998) snapshot October 20, 2026.
Guardian Savings Bank (#27998) stress score moved from 42.5 on June 22, 2026 to 45.9 on October 20, 2026; Guardian Savings Bank (#27998) ranged 42.5 to 45.9 over 117 snapshots.
Guardian Savings Bank (#27998) alerts: 7 counties; top Guardian Savings Bank (#27998) alert scores: Cincinnati County, OH 19 (low); Covington County, OH 19 (low); Florence County, OH 19 (low); Fort Thomas County, OH 19 (low); Lexington County, OH 19 (low).