CITIZENS GUARANTY BANK is asn small FDIC-insured commercial bank headquartered in RICHMOND, KY, established in Nov. 29, 1972, midnight. As of 2025-12-31, the bank reported total assets of $300M and total deposits of $260M. Profitability stands at 1.61% ROA and 19.43% ROE, with a net interest margin of 5.68%. The bank's CET1 capital ratio is 11.36%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 2.49% and a Texas Ratio of 24.04%. FDIC Certificate #20872.
Assets
$300M
Deposits
$260M
Loans
$273M
Equity
$25M
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