Guardian Bank is a bank based in Valdosta, Georgia, established in 2001, with $601 million in total assets across 5 branches. By Trust Grade it ranks 96th of 124 banks we track in Georgia. Its capital ratio of 8.7% trails most similarly sized banks (24th percentile), versus a Georgia median of 10.5%. It was profitable over the most recent period, with a 1.58% return on assets. No consumer complaints against Guardian 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 Bank compares to Georgia peers
How we graded Guardian Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (8.7% capital ratio)
- Strongly profitable (ROA 1.58%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Guardian Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (5)
- 1914 N Ashley St, Valdosta, GA 31602
- 701 Wildwood Plantation Dr, Valdosta, GA 31602
- 246 Norman Dr, Valdosta, GA 31601
- 82 Railroad Ave E, Pearson, GA 31642
- 180 Mathewson Ave Sw, Pelham, GA 31779
Are deposits at Guardian Bank insured?
Yes. Guardian Bank is an FDIC-insured bank (FDIC certificate #57127). 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 Bank: frequently asked questions
Is Guardian Bank a good bank?
Guardian Bank earns a Bankzia Trust Grade of A (93/100, "Excellent"), based on a financial-strength score of 93/100 (it has no CFPB complaints on record). Well-capitalized (8.7% capital ratio); Strongly profitable (ROA 1.58%).
Is Guardian Bank FDIC-insured?
Yes. Guardian Bank is a FDIC-insured bank (FDIC certificate #57127). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Guardian Bank?
Guardian Bank holds $601 million in total assets, ranking 96th of 124 banks we track in Georgia. It operates 5 branches.
Does Guardian Bank have CFPB complaints?
No CFPB complaints against Guardian 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.
