Citizens Guaranty Bank
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Data as of · sourced from FFIEC call reports. How we update
Citizens Guaranty Bank is an FDIC-insured commercial bank headquartered in Richmond, KY, established in 1972 (FDIC certificate 20872), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $303.6M, up 4.6% from Q2 2025, the 60th largest of 120 banks headquartered in Kentucky. Its CET1 capital ratio was 11.22% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 20872
- Headquarters
- Richmond, KY
- Established
- 1972
- Total assets, Q2 2026
- $303.6M
- Assets vs Q2 2025
- +4.6%
- CET1 ratio, Q2 2026
- 11.22%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 042101475
- Latest call report
- Q2 2026, FFIEC 051 · Citizens Guaranty Bank call report
- Holding company
- CITIZENS GUARANTY FINANCIAL CORPORATION
- Asset rank in state
- 60th of 120 in Kentucky
Problem loans are rising at Citizens Guaranty Bank. It reported $304 million in assets at June 30, 2026, up 4.6% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.11% of loans from 1.79% a year earlier. It keeps 5.33 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). On the other hand, it holds common equity equal to 11.22% of its risk-weighted assets, lower than about 9 in 10 banks its size (median 15.12%).
Loans are outrunning deposits: over the year loans rose 8.0% and deposits rose 1.6%. Credit is the area to watch: it carries problem assets equal to 23.6% of the capital and reserves that would absorb them, 8.9 times the median of 2.6% for banks its size.
As of June 30, 2026, Citizens Guaranty Bank reported a CET1 capital ratio of 11.22%, a return on assets of 1.28%, a nonperforming-loan ratio of 2.11% and a Texas ratio of 23.56%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Citizens Guaranty Bank is the 60th largest of the 120 banks headquartered in Kentucky. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.5% to $303.6M, loans rose 3.8% and deposits fell 1.0%. 1-4 family residential loans made up 58.5% of its total loans on June 30, 2026, its largest category; next came construction and land development loans at 10.4%. The FDIC Summary of Deposits lists 6 offices for it, in 4 cities in KY; its Irvine 2 offices book 60% of its branch deposits. By the capital ratios in its Q2 2026 call report, Citizens Guaranty Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 457 E Main St, Richmond, KY 40475
- County
- Madison
- Metro Area
- Richmond-Berea, KY
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- November 29, 1972
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 84
- Domestic deposits
- $260.7M
- Allowance for credit losses
- $3.2M
- Net charge-offs (YTD)
- $443K
- Average total assets
- $299.1M
- Average total loans
- $276.0M
- Average interest-bearing deposits
- $176.2M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- November 29, 1972
- FDIC Cert
- 20872
- Fed RSSD
- 764816
- Website
- www.cg.bank →
- Parent Holding Company
- CITIZENS GUARANTY FINANCIAL CORPORATION (RSSD 1143294)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Citizens Guaranty Bank's total assets moved between a low of $277.6M (Q4 2023) and a high of $303.6M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$303.6M total assets against $290.2M; $277.9M total liabilities against $267.1M.
$279.0M net loans and leases against $258.3M; $260.7M total deposits against $256.6M.
$7.2M securities against $10.9M; $6.1M cash and balances due against $11.1M.
$5.0M total interest income against $4.7M; $1.1M total interest expense against $1.1M.
$3.8M net interest income against $3.6M.
$631K total noninterest income against $547K; $3.2M total noninterest expense against $3.1M.
$240K provision for credit losses against $130K.
$956K net income against $885K.
1.28% return on assets against 1.22%; 5.33% net interest margin against 5.19%.
11.22% CET1 capital ratio against 11.03%; 8.65% tier 1 leverage ratio against 8.12%.
Inside the full Citizens Guaranty Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Citizens Guaranty Bank rankings
Its closest position to the top of a national ranking is 115 of 3,640, for Texas Ratio; its furthest is 1,906 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.13% (Q3 2024) to 1.76% (Q1 2026) and its net interest margin ran from 4.89% (Q1 2025) to 5.48% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.22% | 1.28% | 2.11% | 23.56% | 5.33% |
| Q1 2026 | 11.87% | 1.76% | 2.57% | 23.75% | 5.48% |
| Q4 2025 | 11.36% | 1.62% | 2.49% | 24.05% | 5.48% |
| Q3 2025 | 11.18% | 1.43% | 2.35% | 23.28% | 5.25% |
| Q2 2025 | 11.03% | 1.22% | 1.79% | 17.89% | 5.19% |
| Q1 2025 | 10.94% | 1.24% | 1.93% | 19.50% | 4.89% |
| Q4 2024 | 10.78% | 1.53% | 1.81% | 18.60% | 4.97% |
| Q3 2024 | 10.56% | 1.13% | 1.63% | 16.93% | 4.91% |
Swipe the table sideways to see every column.
Branch Network
View all 6 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Irvine Branch | Irvine , KY | 40336 | $150.8M |
| Merchant Drive Branch | Richmond , KY | 40475 | $49.0M |
| Stanton Branch | Stanton , KY | 40380 | $29.8M |
| Berea Branch | Berea , KY | 40403 | $15.1M |
| Citizens Guaranty Bank (main office) | Richmond , KY | 40475 | $9.7M |
| West Irvine Branch | Irvine , KY | 40336 | $6.3M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in KY, rank 80 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $400K approved, $400K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1993 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Citizens Guaranty Bank
What are Citizens Guaranty Bank's total assets?
As of the Q2 2026 filing, Citizens Guaranty Bank reported total assets of $303.6 million in its FFIEC call report.
Where is Citizens Guaranty Bank headquartered?
It is headquartered in Richmond, KY, United States.
When was Citizens Guaranty Bank founded?
It was established in 1972, per the FDIC institution directory.
Is Citizens Guaranty Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #20872). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Citizens Guaranty Bank?
Citizens Guaranty Bank's primary federal regulator is the FDIC.
What is Citizens Guaranty Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.22% in its Q2 2026 call report, above regulatory requirements.
How many branches does Citizens Guaranty Bank operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Citizens Guaranty Bank's Texas Ratio?
Its Texas Ratio is 23.56% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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