# GUARDIAN BANK
VALDOSTA, GA · FDIC certificate 57127 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 2 (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 | $597.9M | |
| Deposits | $524.3M | |
| Loans and leases | $365.1M | |
| Total equity | $52.7M | |
| Loans / deposits | 68.55% (p23 of band) | 82.04% |
| Liquid assets / assets | 37.01% (p78 of band) | |
| Uninsured deposits / deposits | 43.17% (p91 of band) | 25.97% |
| Brokered deposits | 0.76% | |
| Wholesale funding | 3.85% (p52 of band) | |
| FHLB advances / assets | 3.09% | |
| Tier 1 leverage | 11.55% (p63 of band) | 10.81% |
| Unrealized securities loss / equity | -32.71% (p11 of band) | -8.10% |
| AOCI / equity | -3.43% (p3 of band) | |
| ROA (annualized) | 1.54% (p67 of band) | 1.28% |
| Net interest margin | 3.43% (p24 of band) | 3.91% |
| Efficiency ratio | 56.50% (p35 of band) | |
| Noncurrent loans | 1.49% (p83 of band) | 0.43% |
| Net charge-offs (annualized) | 0.02% (p61 of band) | |
| Reserve coverage of noncurrent | 104.70% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 106.03% (p89 of band) | |
| Auto loans | $1.4M (0.38% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 2.9% | |
| Employees | 48 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | capital falling |  |
| 2014-12 | 0 |  | capital falling |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | capital falling |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | construction >100% equity |  |
| 2018-03 | 0 |  | construction >100% equity |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | capital falling |  |
| 2021-06 | 1 |  | noncurrent p90, capital falling |
| 2021-09 | 2 | noncurrent p90 |  |
| 2021-12 | 3 | capital falling |  |
| 2022-03 | 2 | AOCI drag >20% of equity | reserve under noncurrent, capital falling |
| 2022-06 | 4 | securities losses >30% of equity, reserve under noncurrent |  |
| 2022-09 | 4 | construction >100% equity | reserve under noncurrent |
| 2022-12 | 4 |  |  |
| 2023-03 | 3 |  | AOCI drag >20% of equity |
| 2023-06 | 3 |  |  |
| 2023-09 | 4 | reserve under noncurrent |  |
| 2023-12 | 2 |  | construction >100% equity, reserve under noncurrent |
| 2024-03 | 3 | reserve under noncurrent |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 2 |  | noncurrent p90 |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 1 |  | reserve under noncurrent |
| 2026-06 | 2 | construction >100% equity |  |

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

- 2025-11-28 [New leadership, website for Empty Stocking Fund - Valdosta Daily Times](https://news.google.com/rss/articles/CBMikwFBVV95cUxQSXVWa0hJY1JHRE9fMUphajJZUHg5WVFqQW1ldEZGcWZvUXo0X1otTXJJc2NreG0ybkRMd2lIR1l2aGd5V2lQdWUzeDJHRHRTRlFhX3lYMlBRbnBJazM3dm5GSHF4U01ha2lyd21zc3JZc3hnNDZaN2xjbmZoQjJMMTItMHVaNjdmbUthU3hIek81UnM?oc=5) · Valdosta Daily Times
- 2014-11-04 [Guardian Bank Contributes to VSU’s Capital Campaign - Valdosta State University](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQV2xXajdRQkZMSTJSZW9fVnBMNjc3NjFqd2VKN3RJT2Y4SWpqZ0hXTXFTd2ZVSHNMTTZzZU1sazkxcHpOQzhnN2lsRHNYbGgzSlExSGRCb1FwVF9SbjZJNFRpRVZWYURlaEd4eUZ5UkxkX1BEOVlXM3NVWXViaEota2I4aGJLWnJySy0tUFJScHpnV3pSbUNyT3J4QUd0MmdRWXZIQmRnNk1PeUU?oc=5) · Valdosta State University
- 2022-05-06 [Guardian Bank Entrepreneurship Spring Academy graduates largest class to date - Valdosta Today](https://news.google.com/rss/articles/CBMiuwFBVV95cUxQb1REbVZRdF85QXQ4SWM5V0RFSjFGN1FVYjhvdF9TN0JybDBENm9yVGNUVV9XMGFPU19sRS1zb1dhcm1meFBWb3dXbUtsMGNVMUF2cDBIaVMzMDY2Q0pTN09xSUJMdUtjWkhiMFZXazhrSFV1RWZlTmV5ZnRDSnliWU5IN1pTSHc4UDJwVHd6V0Zndk9TZVZ2NW1vaXptb0VxTnJDTENmekRWVmxDOW5salZNYXQwWHZ1WDdz?oc=5) · Valdosta Today
- 2016-08-22 [There's a new way to bank in South Georgia - WALB](https://news.google.com/rss/articles/CBMihAFBVV95cUxQQWJBR1RWMUhsd0E2WWcxVGFwUDVwS21CYUdhbTlyZDJPQmxOR1lYSFJjcXZCSF9lX3J1YWZrM2ktYkxhdFRvVnFqVTRIc3hfaXJqamxlN09acVpHY3BvTkg4bEM1ZkZOT2JOZ3Y5a2poWnZWcXFWenF1TzJxckpBU1hUQ07SAZcBQVVfeXFMTjdPUG4ybWlZNk1zcEsxV0Y0LUkxYmUtSHItMG5ncUM3NkVwTmhqc2dVT3VvdFpCZUp5eDQyN21DelB0Q2FsaE40THJLeWdINHA5dWwzdzUzUnhEaUJ3RWRxQTJoV1dOeU03a0tPWm96ajhFeXR5NGFsa0NNYmRLanJPSEJjemN2WFZVTWFfNTRtRUtzWGxTaw?oc=5) · WALB
- 2016-08-05 [Guardian Bank begins new services - Valdosta Daily Times](https://news.google.com/rss/articles/CBMiggFBVV95cUxQY0RSeU1xMU9ONTRMT1JkUlZaUzZEM0FKUGd3YnNaelF1THVPaHh1NHJQR2F3MmlSR3VJVXJjUk9EVHQyNjdMUnRPVnNfUVR6TlNqa2wwSjFNeXZ5TnJXQkwtR1BxM1lHY2I2Szhpc3N2WVU5NmJ4blY5TzRPVC1SOGFR?oc=5) · Valdosta Daily Times
- 2022-02-01 [Bank Entrepreneurship Academy offers business courses - Valdosta Today](https://news.google.com/rss/articles/CBMimwFBVV95cUxNUnJHRGpOSHZjNFVET19xXy0xaXR1Q1NBSWhycG9oVE80ZU5mY2ZQNWNYU1duTy1iRXFoMk9xMUY0MWRMTXlVYnJyWktTb1VLQVJ5VFVyVTZoUjJBbDVTR3lwTW9WNktndVNoZU41bU5kenhjOU5HdVFlWGdvU1hXWUwzeVhZXzVFcmdwMTY1dXpVNmxJZ3VJX2pxbw?oc=5) · Valdosta Today
- 2014-08-01 [Douglasville's Chad Thomason Elected to Bankers Leadership Committee - Patch](https://news.google.com/rss/articles/CBMipgFBVV95cUxNdlNMME5zRFhkdXNlU3VvUkNMaVh3MjVJVTFtQ1ppY04tMlMyOU9jY01FMGxoQlhMMDRhbFN1ZHNCN0tOb3EwMGR5N0tjT0YtYmhCZ1JVWE1NUUpEWWFoekd6bEN0bXNaa1djcGNMcDJjQmVNSTBaSHJOYmMwTTljV2ZYalZ4emVaUEJvSEZZWDFJQ3l2eUpvY0k1bHN5MTZQdUlnbWhB?oc=5) · Patch
- 2011-07-15 [Valdosta bank robber caught- Police report included - WALB](https://news.google.com/rss/articles/CBMifEFVX3lxTFBqdXA1VUZBU2tsdEtwc1VUOTZLT1RKSmp6MlowbEVBUFdXS3puc0cxcXg2R016YVB2by1kdkQyc0s1UE56TkVMN0FRUll5V2M2T21tc0pfcTBXZk5IN1N4YWJlSmhTdzF0ajkyamJvVGhrMEVIVGdSczI2emvSAY8BQVVfeXFMTXlibEU1N3BYa0NXNkwwVmluMWZXWnRuZUN5eDA2LU0xUjRidHBXb1dUc2ZrcU01VER5dnRPUXZSUThjWnJ1VU9wcnd3YnhnakllQlFJNy1YQTlrQWFFeFFsM0RyUUlpR2drVTJZZGtDdVVDQ19OTmhmeF90RDkyM0Uwa0RuRVJ2MzFNZUp3eUk?oc=5) · WALB

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57127 (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/39.json (key "57127", 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.

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