Bank · FDIC insured
Guardian Bank
A $597.9M bank headquartered in Valdosta, GA, with 5 branches in Georgia. Best rates: CDs 1.00% and savings 0.15% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: not enough terms or balances published to score. Auto loans: no rates found on its website. Credit cards: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all).
- CDs—1.00%CD rates →
- Savings680.30%at $100,000Savings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Guardian Bank
Guardian Bank opened its first location on Ashley Street in Valdosta in 1997.
In May 2001, the institution was granted its own charter by the Department of Banking and Finance.
The institution operates as a separately chartered commercial bank in the WB&T Bankshares, Inc. family of banks.
- Headquarters
- 701 Wildwood Plantation Dr, Valdosta, GA 31602
- FDIC certificate
- 57127 ↗
Branches
5 branches in Georgia
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Georgia
5 branches
Valdosta area · 3
- Guardian BankMain office701 Wildwood Plantation Dr, Valdosta, GA 31602Directions
- Ashley Street Office Branch1914 N Ashley St, Valdosta, GA 31602Directions
- Norman Drive Office Branch246 Norman Dr, Valdosta, GA 31601Directions
Douglas area · 1
- Citizens Exchange Bank Branch82 Railroad Ave E, Pearson, GA 31642Directions
Pelham area · 1
- Pelham Branch180 Mathewson Ave Sw, Pelham, GA 31779Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 11.55% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 1.49% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.54% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $70 | $81 | — |
- CapitalLeverage ratio11.55%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent1.49%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.54%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$70Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Guardian Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.