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Citizens Guaranty Bank Locations & Branches Richmond, Kentucky
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Citizens Guaranty Bank operates 6 branches from its headquarters in Richmond, KY, .
Citizens Guaranty Bank branch network
All 6 branches are in KENTUCKY, across 4 cities. Irvine, KY has the most of its branches, 2. Its largest office by deposits is the Irvine Branch office in Irvine, KY, with $150.8M (57.8% of its branch deposits). It had the same number of branches on June 30, 2025.
Citizens Guaranty Bank at a glance
Its CET1 capital ratio was 11.22% at Q2 2026, above regulatory requirements.
- Total assets, Q2 2026
- $303.6M
- CET1 ratio, Q2 2026
- 11.22%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Latest call report
- Q2 2026, FFIEC 051
- Established
- 1972
Full financial profile · Is Citizens Guaranty Bank safe? · Citizens Guaranty Bank call report · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Richmond, KY (2 branches) | 12 of 15 | 4.0% | $58.7M |
| State: KY (6 branches) | 80 of 152 | 0.2% | $260.7M |
Ranked by total assets among banks headquartered in the state: Largest banks in Kentucky.
Share by county and metro area
Citizens Guaranty Bank's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Estill, KY (2 branches) | 1 of 2 | 89.5% | $157.1M | $175.6M |
| Madison, KY (3 branches) | 11 of 17 | 3.7% | $73.8M | $1.99B |
| Powell, KY (1 branch) | 3 of 4 | 15.6% | $29.8M | $190.5M |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Richmond-Berea, KY (5 branches) | 2 of 18 | 10.7% | $230.9M | $2.17B |
| 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 |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 20872) · FFIEC NIC profile (RSSD 764816)