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Guardian Bank
✓ FDIC-insured · Active FDIC Certificate #57127
Guardian Bank is an FDIC-insured state-chartered bank that is not a Federal Reserve member (supervised by the FDIC), headquartered in Valdosta, Georgia, established in 2001. As of the 06/30/2026 FDIC call report, it reported $598M in total assets and $524M in deposits. FDIC location data lists 5 offices in Georgia. The FDIC classifies it as a community bank. It is owned by the holding company WB & T BANKSHARES INC (Waycross, GA).
Financial data as of the 06/30/2026 FDIC call report.
Where it operates
All 5 of Guardian Bank's FDIC-listed offices are in Georgia. Browse banks in Valdosta for other local options.
Branch locations
| Guardian Bank Ashley Street Office Branch · Limited Service - Drive Thru/Detached Facility | 1914 N Ashley St Valdosta, GA 31602 Map ↗ |
| Guardian Bank Guardian Bank · Full Service - Brick And Mortar | 701 Wildwood Plantation Dr Valdosta, GA 31602 Map ↗ |
| Guardian Bank Norman Drive Office Branch · Full Service - Brick And Mortar | 246 Norman Dr Valdosta, GA 31601 Map ↗ |
| Guardian Bank Citizens Exchange Bank Branch · Full Service - Brick And Mortar | 82 Railroad Ave E Pearson, GA 31642 Map ↗ |
| Guardian Bank Pelham Branch · Full Service - Brick And Mortar | 180 Mathewson Ave Sw Pelham, GA 31779 Map ↗ |
Holding company: WB & T BANKSHARES INC
The FDIC lists WB & T BANKSHARES INC, based in Waycross, GA, as the top holding company for Guardian Bank. It also owns 2 FDIC-insured banks:
- South Coast Bank & Trust, Brunswick, GA ($270M in assets)
- Waycross Bank & Trust, Waycross, GA ($242M in assets)
FDIC deposit insurance applies separately to each insured bank charter, even when they share a holding company. Confirm the charter before you spread deposits.
Similar-size banks in Georgia
Active FDIC-insured banks headquartered in Georgia with total assets closest to Guardian Bank's $598M. See all banks in Georgia.
| Bank | HQ city | Assets | Offices |
|---|---|---|---|
| Community Bank of Pickens County | Jasper | $629M | 2 |
| Southeastern Bank | Darien | $625M | 11 |
| First Port City Bank | Bainbridge | $624M | 7 |
| The Citizens Bank of Georgia | Cumming | $599M | 4 |
| Pineland Bank | Alma | $597M | 9 |
| South Georgia Banking Company | Omega | $570M | 8 |
| Peoples Bank & Trust | Buford | $563M | 1 |
| Sunmark Community Bank | Perry | $557M | 10 |
Guardian Bank: common questions
Is Guardian Bank FDIC-insured?
Yes. Guardian Bank is an active FDIC-insured institution, FDIC Certificate #57127. Deposits are insured up to $250,000 per depositor, per ownership category. You can confirm this on FDIC BankFind.
Where is Guardian Bank headquartered?
Guardian Bank is headquartered at 701 Wildwood Plantation Dr, Valdosta, GA 31602, according to FDIC records.
How many branches does Guardian Bank have?
FDIC location data lists 5 offices for Guardian Bank, all in Georgia.
Who owns Guardian Bank?
The FDIC lists WB & T BANKSHARES INC of Waycross, GA as the top holding company for Guardian Bank. The same holding company owns 2 other FDIC-insured banks.
Source: FDIC BankFind Suite (institution, location, and call report data). BankNearMe.com does not rank or rate banks.