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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Valdosta, GA · FDIC certificate #57127
GUARDIAN BANK is an FDIC-insured institution based in Valdosta, GA (FDIC certificate #57127). In its Q3 2026 Call Report it reported total assets of $599M, total deposits of $524M and net loans of $374M. Its primary federal regulator is FDIC.
Reported facts
GUARDIAN BANK (FDIC certificate #57127) reported the following headline financials for Q3 2026. Interactive quarterly history follows below.
| Total assets | $599M |
|---|---|
| Total deposits | $524M |
| Net loans and leases | $374M |
| Return on assets | 1.55% |
| Return on equity | 17.89% |
| Net interest margin | 3.44% |
| Quarterly asset change | 0.20% |
| Quarterly deposit change | 0.00% |
Plain-language readout
GUARDIAN BANK in Valdosta, GA reported total assets of $599M, total deposits of $524M and net loans of $374M in its Q3 2026 Call Report (as of 2026-09-30).
Profitability for Q3 2026: a return on assets of 1.55%, a return on equity of 17.89%, a net interest margin of 3.44%. Return on assets measures annualized net income against average assets, return on equity measures it against average equity, and net interest margin measures net interest income against average earning assets.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $599M | $524M | $374M | 1.55% | 17.89% | 3.44% |
| Q2 2026 | $598M | $524M | $359M | 1.54% | 17.73% | 3.43% |
| Q1 2026 | $601M | $535M | $351M | 1.58% | 18.31% | 3.43% |
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