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Citizens Guaranty Bank
Richmond, KY · FDIC Certificate #20872 · Chartered 11/2
Total assets
$303.59M
Total deposits
$260.66M
Total equity
$25.64M
Net loans
$279.04M
Branches (offices)
6
Net income (YTD)
$2.27M
Rank: #2,448 of 4,213 U.S. banks by assets · #60 of 120 in Kentucky. Assets changed 4.6% and deposits 1.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.51% |
| Return on equity | 17.69% |
| Net interest margin (YTD) | 5.43% |
| Equity to assets | 8.45% |
| Tier 1 leverage ratio | 8.65% |
| Uninsured deposits (share of deposits) | 14.1% |
| Noncurrent loans (share of loans) | 2.11% |
| Net charge-offs (share of loans) | 0.32% |
| Loans to deposits | 107.0% |
| Real estate loans (share of loans) | 83.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $233.24M | 83.6% | |
| Commercial & industrial | $22.56M | 8.1% | |
| Consumer / individual | $26.21M | 9.4% | |
| Construction & development | $29.43M | 10.5% | |
| Agricultural | $59.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $259.29M | $221.17M | $1.28M | $16.20M |
| Jun 2023 | $287.50M | $249.56M | $947.00K | $19.04M |
| Jun 2024 | $286.87M | $255.06M | $1.20M | $20.81M |
| Jun 2025 | $290.25M | $256.64M | $1.78M | $23.15M |
| Jun 2026 | $303.59M | $260.66M | $2.27M | $25.64M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kentucky | $260.66M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $260.66M.
Similar-sized banks
Valuebank Texas ($303.59M) · Community Bank And Trust Company ($303.48M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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