🏦Bank Scorer

GUARDIAN BANK

VALDOSTA, GA · Supervised by FDIC

Est. 2001FDIC #57,127RSSD: FDIC-57127
Part ofWB&T BANKSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: March 2026

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.58%

Institution Profile

FDIC BankFind

Address

701 Wildwood Plantation Dr, VALDOSTA, GA

County

Lowndes County

Established

May 1, 2001

Total Assets

$601M(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

March 1, 2026

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Mar 2030(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$601M

Total Deposits

$535M

Net Loans

$351M

Net Income

$2M

ROA

1.58%

ROE

18.31%

Risk-Based Capital

18.55%

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 Rate1.83%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

5

Branch Deposits

$509M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202416496.95%1.83%
202313393.98%3.76%
202214696.58%1.37%
202118397.27%1.64%
202019095.79%2.11%
201922195.93%0.90%
201816196.27%1.86%

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

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

5 previous ratings locked — dating back to 2003

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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