Guardian Bank (FDIC #57127): Bank Stress & Real-Estate Credit Exposure

Guardian Bank (FDIC Cert #57127): bank stress 64/100, elevated, STABLE over 7 days; parent WB&T BANKSHARES INC.

Guardian Bank (#57127) lends in 3 counties across 1 state; Guardian Bank (#57127) reaches 22 ZIP codes: Georgia 3 counties, 22 ZIPs.

Guardian Bank (#57127) largest markets: Lowndes County, GA (33 branches, 11 ZIPs) (#57127), Mitchell County, GA (7 branches, 7 ZIPs) (#57127), Atkinson County, GA (5 branches, 5 ZIPs) (#57127).

Guardian Bank (#57127) reports $597.9 million in total assets; Guardian Bank (#57127) equity $52.7 million (8.8% of Guardian Bank (#57127) assets); Guardian Bank (#57127) domestic deposits $524.3 million; Guardian Bank (#57127) net income $4.6 million; Guardian Bank (#57127) return on assets 1.54%; Guardian Bank (#57127) return on equity 17.73%; Guardian Bank (#57127) net interest income $9.8 million; Guardian Bank (#57127) call report June 30, 2026.

Guardian Bank (#57127) noncurrent real-estate loans 0.03% of its book; Guardian Bank (#57127) net charge-offs on real estate 1.42%; Guardian Bank (#57127) residential charge-offs 3.05%.

Guardian Bank (#57127) net interest margin 3.43% against an eight-quarter Guardian Bank (#57127) average of 3.13% (Guardian Bank (#57127) compression -0.30 points); Guardian Bank (#57127) real-estate loans 3.1% of equity; Guardian Bank (#57127) non-residential real estate 304.7% of equity; Guardian Bank (#57127) rate-exposure score 40/100, Guardian Bank (#57127) fixed-rate trap 40/100; Guardian Bank (#57127) risk type credit driven; Guardian Bank (#57127) rate regime rates elevated, Guardian Bank (#57127) snapshot October 19, 2026.

Guardian Bank (#57127) stress score moved from 62.2 on June 22, 2026 to 63.9 on October 19, 2026; Guardian Bank (#57127) ranged 62.2 to 63.9 over 116 snapshots.

Guardian Bank (#57127) alerts: 3 counties; top Guardian Bank (#57127) alert scores: Pearson County, GA 21 (low); Pelham County, GA 21 (low); Valdosta County, GA 21 (low).