# GUARDIAN SAVINGS BANK
GRANITE CITY, IL · FDIC certificate 29986 · asset band <$300M · latest filing 2024-09 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $32.1M | |
| Deposits | $25.9M | |
| Loans and leases | $14.3M | |
| Total equity | $5.8M | |
| Loans / deposits | 54.94% (p25 of band) | 72.07% |
| Liquid assets / assets | 50.89% (p78 of band) | |
| Uninsured deposits / deposits | 2.39% (p1 of band) | 18.87% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p19 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 21.54% (p92 of band) | 11.60% |
| Unrealized securities loss / equity | -18.37% (p33 of band) | -10.38% |
| AOCI / equity | 6.00% (p71 of band) | |
| ROA (annualized) | -1.82% (p2 of band) | 0.91% |
| Net interest margin | 1.84% (p3 of band) | 3.54% |
| Efficiency ratio | 188.15% (p99 of band) | |
| Noncurrent loans | 0.00% (p13 of band) | 0.27% |
| Net charge-offs (annualized) | 0.00% (p37 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 84% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $276,000 (1.93% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -2.2% | |
| Employees | 6 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | securities losses >30% of equity, NIM <2.5% |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 3 | reserve under noncurrent |  |
| 2011-12 | 2 |  | reserve under noncurrent |
| 2012-03 | 2 | uninsured deposits leaving | securities losses >30% of equity |
| 2012-06 | 3 | capital falling, reserve under noncurrent | uninsured deposits leaving |
| 2012-09 | 2 | deposits shrinking | capital falling, reserve under noncurrent |
| 2012-12 | 1 |  | deposits shrinking |
| 2013-03 | 1 |  |  |
| 2013-06 | 2 | reserve under noncurrent |  |
| 2013-09 | 3 | expense ratio p90 |  |
| 2013-12 | 4 | uninsured deposits leaving |  |
| 2014-03 | 3 |  | expense ratio p90 |
| 2014-06 | 4 | capital falling |  |
| 2014-09 | 2 |  | reserve under noncurrent, capital falling |
| 2014-12 | 2 |  |  |
| 2015-03 | 1 |  | uninsured deposits leaving |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 3 | capital falling, reserve under noncurrent |  |
| 2016-03 | 3 |  |  |
| 2016-06 | 4 | expense ratio p90 |  |
| 2016-09 | 2 |  | capital falling, reserve under noncurrent |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 | capital falling | expense ratio p90 |
| 2017-06 | 3 | reserve under noncurrent |  |
| 2017-09 | 3 | expense ratio p90 | capital falling |
| 2017-12 | 4 | uninsured deposits leaving |  |
| 2018-03 | 6 | losing money, assets shrinking |  |
| 2018-06 | 5 |  | NIM <2.5% |
| 2018-09 | 7 | NIM <2.5%, deposits shrinking |  |
| 2018-12 | 5 |  | uninsured deposits leaving, assets shrinking |
| 2019-03 | 6 | capital falling |  |
| 2019-06 | 6 |  |  |
| 2019-09 | 4 |  | deposits shrinking, capital falling |
| 2019-12 | 5 | assets shrinking |  |
| 2020-03 | 6 | uninsured deposits leaving |  |
| 2020-06 | 4 |  | assets shrinking, uninsured deposits leaving |
| 2020-09 | 4 | capital falling | losing money |
| 2020-12 | 4 | losing money | capital falling |
| 2021-03 | 3 | uninsured deposits leaving | reserve under noncurrent, NIM <2.5% |
| 2021-06 | 4 | NIM <2.5%, assets shrinking | uninsured deposits leaving |
| 2021-09 | 4 | reserve under noncurrent | assets shrinking |
| 2021-12 | 4 |  |  |
| 2022-03 | 2 |  | expense ratio p90, losing money |
| 2022-06 | 3 | deposits shrinking |  |
| 2022-09 | 7 | AOCI drag >20% of equity, expense ratio p90, assets shrinking, uninsured deposits leaving |  |
| 2022-12 | 6 |  | assets shrinking |
| 2023-03 | 7 | losing money, assets shrinking | AOCI drag >20% of equity |
| 2023-06 | 5 |  | reserve under noncurrent, deposits shrinking |
| 2023-09 | 5 | securities losses >30% of equity | uninsured deposits leaving |
| 2023-12 | 4 |  | securities losses >30% of equity |
| 2024-03 | 4 |  |  |
| 2024-06 | 3 |  | assets shrinking |
| 2024-09 | 3 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2024-05-12 [Community Partners Savings Bank to merge with Guardian Savings Bank - southernillinoisnow.com](https://news.google.com/rss/articles/CBMiX0FVX3lxTFBGLXNOSWRxOE5feWJaYnRkZjBTSWgxYXJhd2tfVTlzaEFZYUNvMEw3bXBpcFEta0NULVhGYnRlZnozRnhnX0FEaTJJTGtxbkhZNTZCaGtVQlBMU1h3YUVF?oc=5) · southernillinoisnow.com
- 2023-12-17 [BEC Office Products Gets $25,000 Small Business Grant - RiverBender.com](https://news.google.com/rss/articles/CBMipAFBVV95cUxQbUs2SkRkOWx6SWRGaDFZTk1uTUxTenpveEdoTXB5MThTZ0tNVXk4OFdLX0VzOUZabVJHdF9UWmRFd2xIUklyWWZyVll3aXVsLTI5QXVPZUhvRjB5YkF2Z2diZmkyWjVURllxc29UVzR0YjhDY2tseVRkQ3dhSzhmU0k2cmFNamwtVWx4dkJKTHNPblZlb0RQNTNlLTlRVlplZGJWcg?oc=5) · RiverBender.com
- 2023-05-03 [Amid national turmoil, some St. Louis banks report numbers outside norms - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNanZDVTVJUkVmSWNyU3lHZVNDeUNuWTRrQVRyeUFaVVVpcFZrZVZVTkVGT3VYTmNnTkxmUFZEdW5LNE82VTI4Nk8tSFlOei1jaUJZUGk4bnhpYXZFa0VRR3FST0ZHSWFybUplTGhDX2tSVGc3cFRMUjkybzZYYnlWT2VxZkhQYTZtU1kydkFkbmg5Y1lpUURCcWpUZ21XTHhkRXFQRUx3QnE?oc=5) · The Business Journals
- 2026-07-16 [Nancy Gerard - AdVantageNews.com](https://news.google.com/rss/articles/CBMipgFBVV95cUxQMlpuZHV3WVNVSWw2eTh3TFV6MmV4OVRDVFBrTkRyNDFvOUlZWER4a3R4V2c2dG9JMU9IdkZtWDVrNGc2eHR4NEFmVUdqcWV2NEZkbUNBTDU4RE5NQkk0aTdleTluVDNJLW85WkUydlBKYU5DbHFPby0tZFltM1pEbEZTMjRWZE5kOEdpMnYwM3BkNWNCeC1tX3FGOXE3OTVnSDdQc2h3?oc=5) · AdVantageNews.com
- 2025-06-27 [Madison County property tax bills are out; first payment due July 23 - Illinois Business Journal](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOblRKUnE4RU9iTER6TVExMTVYeVZPMHVib01iZXpZXzVvN19QYVJKeGRfX2xrd1dPSW9LdkpEQkYxQkM1V3MtTFZRVW5HNF9xUXl2aXJvS1Fxc1dRdXdPRlRSRlBHTWtNTnpoZE9rWGEyME02OF9DemppYVhUdjRGSm5IQndEbmZpeGJGNVhyRUVDUzdFQXFCZlJ2N2duRmVDVE9XbXE5UmQ?oc=5) · Illinois Business Journal
- 2023-06-12 [He’s one of Granite City’s most well-known residents. Now his name is on a street. - Belleville News-Democrat](https://news.google.com/rss/articles/CBMiYkFVX3lxTFB6cUhBc00xZ040N3BrbXJqMldKelVaMFI0SzFTNTRrU1RrQmh2NnF5WjNKOWxQWlI1RXBlWG1TVmlQN1YwRnRwckVJTTYzQXltSmxRN3JJVkpUcjFJcnU5QVV30gFiQVVfeXFMTlp3NWhGZ3ZXY1A3Z0FUSkQwRE1HNXVyLUw4c3owbzU1dmFNTURpVmp3ek9fY1NYTDRfRGtBWWp2UjJGcWRfS0tBNXlEWThpUTdnbjM1WGEzR0JEZU1qRHFjWGc?oc=5) · Belleville News-Democrat
- 2020-12-21 [Anderson Hospital Surgery Center, SIUE Engineering Atrium Included: Louer Facility Planning Celebrates Top 7 Projects of 2020 - RiverBender.com](https://news.google.com/rss/articles/CBMihAJBVV95cUxOcWZ4OFdkbmtkN3VvWnNYM3dFQzJodHlxRk1OYzU1UXRGVDc2SHBxVFk1R3VUNkZsVkxnd0xkQUpsenpnUmJZQWNLdi1iM3NTcEdFRTUtRGtZeGlHZHJXQ1JXd1FWMlZndFdoZW9weEltTTdWYTlMYUM2SUJQbXVuOUcza3EyVk1abTV3aE9UOElfQ3ZmcEd2UWJwMUpqTWV3MXlkRkNkU3VrUkRhaDJQSWRNWkdjbHNjQVlGTkhxcEd5Z3ItX2ZHcFlQZ1VfNWllcFJvR0k1S05XQXNGSDFGTGF1SldVRnFfNlp3MHF5TkdTakxvR2tiYzVYMFhhamZweVlwNQ?oc=5) · RiverBender.com
- 2026-06-24 [The Definitive 2026 Ferrari 250 GTO Owners List - Celebrity Net Worth](https://news.google.com/rss/articles/CBMiwwFBVV95cUxNLVAwQUR3OXRBdzNVZU05ck9jWjIwTXRzVXFwVGt0OFBfQ0Q0SzRsS1ZDM3hqdXFWRGItRGg0cFJTOWpNRWl5X0laUFlZYXFCckEtYjJWUUtzTmFKLWhndS1lenh1XzFfSTZxbk9Ia2V5eFhOVHN0d3ZaZ2IxSmdkc2kyamZIQklqY3QzUkpVWE1UelRmRkw2bDloQWtVejZ2OXJPNXJOd2J5Y3QwR1ZHajNGeW9mUTBIOVg0WU9TRWt5TWM?oc=5) · Celebrity Net Worth

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=29986 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/34.json (key "29986", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide