Guardian Bank
Valdosta, GA · Owner: WB & T Bankshares Inc
$598M
total assets, June 30, 2026
$598M
total assets, June 30, 2026
Guardian Bank is a state nonmember bank based in Valdosta, GA, owned by WB & T Bankshares Inc. As of June 30, 2026 it held $597.9 million in assets and $524.3 million in deposits; assets were up 5.5% from a year before. It has 5 branches.
Updated Oct 11, 2026 · numbers as of June 30, 2026
Total assets
$598M
+5.5% in a year · -0.5% in a quarter
Deposits
$524M
+2.9% in a year · -1.9% in a quarter
Loans
$365M
+2.6% in a year · +2.5% in a quarter
Profit so far
$4.6M
Jan 1 to Jun 30, 2026 · +14.3% in a year
Capital ratio
11.55%
+0.53 pts in a year
Return on assets
1.54%
+0.14 pts in a year
Facts
- Type
- State nonmember bank
- Head office
- 701 Wildwood Plantation Dr, Valdosta, GA, 31602
- County
- Lowndes
- Holding company
- WB & T Bankshares Inc
- Established
- May 1, 2001
- Employees
- 48
- Branches
- 5
- Website
- www.guardian.bank
- Id
- b57127
Quarter by quarter
June 30, 2001 to June 30, 2026
Assets, deposits and loans
Each quarter end, US dollars
Profit by quarter
Net income of each quarter, the last 12
Ratios
Percent. Return on assets and net interest margin are yearly rates.
Branches
5 offices as of June 30, 2026, holding $524.3 million in deposits
Branch map
Every branch, sized by its deposits
| State | Branches | Deposits | Share |
|---|---|---|---|
| Georgia | 5 | $524M | 100.0% |
| Largest branches | Place | Deposits |
|---|---|---|
| Guardian Bank (main office) | Valdosta, GA | $381M |
| Pelham Branch | Pelham, GA | $79.3M |
| Norman Drive Office Branch | Valdosta, GA | $39.4M |
| Citizens Exchange Bank Branch | Pearson, GA | $24.5M |
| Ashley Street Office Branch | Valdosta, GA | $0 |
Related pages
Questions and answers
How big is Guardian Bank?
$597.9 million in total assets and $524.3 million in deposits as of June 30, 2026, with assets up 5.5% from a year before. Its loans were $365.1 million.
How many branches does Guardian Bank have?
5 branches in Georgia as of June 30, 2026.
Is Guardian Bank profitable?
Yes: it earned $4.60 million from January 1 to June 30, 2026 (up 14.3% from the same months a year before). Its return on assets was 1.54% a year; about 1% is typical.
Who owns Guardian Bank?
Guardian Bank is owned by WB & T Bankshares Inc, its holding company.
Official public data from the reports every insured bank files each quarter. Profit so far runs from January 1 to the quarter end. Branch deposits are counted once a year, as of June 30. New quarters appear about two months after the quarter ends.