Bank · FDIC insured
Guardian Savings Bank
A $1.4B bank headquartered in West Chester, OH, with 13 branches in 2 states.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: rates are not published online. Savings: only special-purpose accounts (IRA, youth) are published. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- Savings—6.00%Savings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Guardian Savings Bank
Guardian Savings Bank's original charter was granted in 1895, and it operates 13 offices across Cincinnati, Northern Kentucky, Lexington, and Louisville.
The bank focuses on home mortgage loans, alongside offering personal and business banking products.
- Headquarters
- 6100 W Chester Rd, West Chester, OH 45069
- FDIC certificate
- 27998 ↗
Branches
13 branches in 2 states
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Ohio
7 branches
Cincinnati area · 6
- 5511 Harrison Ave Branch5511 Harrison Ave, Cincinnati, OH 45248Directions
- 5671 Springdale Rd Branch5671 Springdale Rd, Cincinnati, OH 45251Directions
- Cincinnati Branch11333 Princeton Pike, Cincinnati, OH 45246Directions
- Colerain Ave Branch5901 Colerain Ave, Cincinnati, OH 45239Directions
- Kennedy Heights Branch6644 Montgomery Rd, Cincinnati, OH 45213Directions
- Ohio Pike Branch560 Ohio Pike, Cincinnati, OH 45255Directions
West Chester area · 1
- Guardian Savings BankMain office6100 W Chester Rd, West Chester, OH 45069Directions
Kentucky
6 branches
Lexington area · 2
- Lexington - Hamburg Branch2541 Sir Barton Way, Lexington, KY 40509Directions
- Lexington Branch501 Southland Dr, Lexington, KY 40503Directions
Florence area · 1
- Florence Branch7550 Mall Rd, Florence, KY 41042Directions
Fort Thomas area · 1
- Fort Thomas Branch14 S Fort Thomas Ave, Fort Thomas, KY 41075Directions
Fort Wright area · 1
- Kyles Lane Branch10 Kyles Ln, Fort Wright, KY 41011Directions
Louisville area · 1
- Louisville Branch2503 South Hurstbourne Parkway, Louisville, KY 40220Directions
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 | 11.39% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.20% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 2.00% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $89 | $88 | — |
- CapitalLeverage ratio11.39%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.20%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets2.00%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$89Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 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 Savings Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.