Guardian Savings Bank is a bank based in West Chester, Ohio, established in 1895, with $1.4 billion in total assets across 13 branches. By Trust Grade it ranks 17th of 157 banks we track in Ohio. Its capital ratio of 11.6% is stronger than 72% of similarly sized banks, versus a Ohio median of 10.3%. It was profitable over the most recent period, with a 2.06% return on assets. No consumer complaints against Guardian Savings Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Guardian Savings Bank compares to Ohio peers
How we graded Guardian Savings Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (11.6% capital ratio)
- Strongly profitable (ROA 2.06%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Guardian Savings Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (13)
- 5671 Springdale Rd, Cincinnati, OH 45251
- 5511 Harrison Ave, Cincinnati, OH 45248
- 560 Ohio Pike, Cincinnati, OH 45255
- 10 Kyles Ln, Fort Wright, KY 41011
- 6100 W Chester Rd, West Chester, OH 45069
- 7550 Mall Rd, Florence, KY 41042
- 14 S Fort Thomas Ave, Fort Thomas, KY 41075
- 11333 Princeton Pike, Cincinnati, OH 45246
- 501 Southland Dr, Lexington, KY 40503
- 2541 Sir Barton Way, Lexington, KY 40509
- 5901 Colerain Ave, Cincinnati, OH 45239
- 6644 Montgomery Rd, Cincinnati, OH 45213
- 2503 South Hurstbourne Parkway, Louisville, KY 40220
Are deposits at Guardian Savings Bank insured?
Yes. Guardian Savings Bank is an FDIC-insured bank (FDIC certificate #27998). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Guardian Savings Bank: frequently asked questions
Is Guardian Savings Bank a good bank?
Guardian Savings Bank earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (11.6% capital ratio); Strongly profitable (ROA 2.06%).
Is Guardian Savings Bank FDIC-insured?
Yes. Guardian Savings Bank is a FDIC-insured bank (FDIC certificate #27998). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Guardian Savings Bank?
Guardian Savings Bank holds $1.4 billion in total assets, ranking 17th of 157 banks we track in Ohio. It operates 13 branches.
Does Guardian Savings Bank have CFPB complaints?
No CFPB complaints against Guardian Savings Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
