Total Assets
$1.4B
Total Deposits
$1.2B
Branches
13
Established
1895
Guardian Savings Bank is a bank headquartered in West Chester, Ohio, established in 1895. It holds $1.4B in total assets across 13 branch locations. In our editorial opinion, based on public FDIC/NCUA data, Guardian Savings Bank earns a TFS Financial Health Grade of A- (86.9/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
86.9 / 100
Excellent financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through June 30, 2026. Updated by TFS August 28, 2026. Data sourced from FDIC BankFind Suite as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| Guardian Savings BankHQ | 6100 W Chester Rd | West Chester | OH | 11 |
| Guardian Savings Bank | 7550 Mall Rd | Florence | KY | 11 |
| Guardian Savings Bank | 14 S Fort Thomas Ave | Fort Thomas | KY | 11 |
| Guardian Savings Bank | 10 Kyles Ln | Fort Wright | KY | 11 |
| Guardian Savings Bank | 501 Southland Dr | Lexington | KY | 11 |
| Guardian Savings Bank | 2541 Sir Barton Way | Lexington | KY | 11 |
| Guardian Savings Bank | 2503 South Hurstbourne Parkway | Louisville | KY | 11 |
| Guardian Savings Bank | 11333 Princeton Pike | Cincinnati | OH | 11 |
| Guardian Savings Bank | 5671 Springdale Rd | Cincinnati | OH | 11 |
| Guardian Savings Bank | 5511 Harrison Ave | Cincinnati | OH | 11 |
| Guardian Savings Bank | 5901 Colerain Ave | Cincinnati | OH | 11 |
| Guardian Savings Bank | 6644 Montgomery Rd | Cincinnati | OH | 11 |
| Guardian Savings Bank | 560 Ohio Pike | Cincinnati | OH | 11 |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
86.9
Tier 1 capital ratio
11.39%
Return on assets
2.00%
Non-performing loans
0.20%
Efficiency ratio
47.18%
Asset growth (YoY)
3.47%
Suggested direct comparisons
Cincinnati, OH
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Toledo, OH
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Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.