Citizens Guaranty Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Citizens Guaranty Bank of Richmond, KY against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA Behind the peer average, ahead of the median peer. | 1.28% | 1.35% | -0.07% | 51st above |
| ROAE | 14.74% | 12.05% | +2.69% | 64th above |
| Net Interest Margin | 5.33% | 3.90% | +1.43% | 96th top |
| Efficiency Ratio | 72.85% | 63.15% | +9.70% | 23rd bottom |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.61% | 1.64% | -0.03% | 52nd above |
| Yield on Earning Assets | 6.92% | 5.65% | +1.27% | 94th top |
| Cost of Funds | 1.68% | 1.85% | -0.17% | 57th above |
| Net Interest Spread | 4.45% | 3.35% | +1.10% | 93rd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.11% | 0.92% | +1.19% | 12th bottom |
| NPA / Total Assets | 2.24% | 0.67% | +1.57% | 6th bottom |
| NCO / Avg Loans | 0.45% | 0.14% | +0.31% | 7th bottom |
| ACL / Total Loans | 1.13% | 1.28% | -0.15% | 41st below |
| ACL / NPLs (Coverage) | 53.44% | 1645.82% | -1592.38% | 12th bottom |
| Texas Ratio | 23.56% | 7.14% | +16.42% | 6th bottom |
| Provision / NCO | 99.32% | 1189.86% | -1090.54% | 40th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.22% | 20.84% | -9.62% | 10th bottom |
| Tier 1 Ratio | 11.22% | 20.87% | -9.65% | 10th bottom |
| Total Capital Ratio | 12.47% | 21.94% | -9.47% | 11th bottom |
| Leverage Ratio | 8.65% | 12.47% | -3.82% | 8th bottom |
| Equity / Assets | 8.45% | 11.67% | -3.22% | 19th bottom |
| TCE / Tangible Assets | 8.45% | 11.40% | -2.95% | 22nd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 108.27% | 78.63% | +29.64% | 5th bottom |
| Core Deposit Ratio | 92.33% | 87.09% | +5.24% | 69th above |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.65% | 5.11% | -0.46% | 40th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.60% | 6.47% | -1.87% | 51st above |
| Loan Growth (Y/Y) | 8.00% | 7.64% | +0.36% | 65th above |
| Deposit Growth (Y/Y) | 1.57% | 6.02% | -4.45% | 32nd below |
See Citizens Guaranty Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Citizens Guaranty Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Citizens Guaranty Bank profile, how to read a UBPR, or how this data updates.