This institution is no longer active

Operations ceased on November 29, 2024. CRA examination history below reflects the period it was active.

GUARDIAN SAVINGS BANK

GRANITE CITY, IL · Supervised by FDIC

Est. 1919FDIC #29,986RSSD: FDIC-29986

Satisfactory

Current rating · Exam: November 2019

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -1.82%

Institution Profile

FDIC BankFind

Address

3800 Nameoki Rd, GRANITE CITY, IL

County

Madison County

Established

January 1, 1919

Total Assets

$32M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

November 1, 2019

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 6 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q3 2024Call Report / FDIC

Total Assets

$32M

Total Deposits

$26M

Net Loans

$14M

Net Income

$-439K

ROA

-1.82%

ROE

-10.14%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate14.12%Peer avg: 7.63%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	2,472	73.42%	14.12%
2023	2,164	74.63%	13.08%
2021	10,168	77.2%	13.92%
2019	5,545	71.6%	15.55%
2018	4,229	72.03%	14.26%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

This is the only examination on record for this bank.

Embed this rating

Copy this snippet to embed a live rating badge on your website:

<iframe
  src="https://bankscorer.com/widget/bank/79b1466d-5b94-43d2-a800-9d29a211b3ad"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: