Citizens Guaranty Bank

BankRichmond, Kentucky
www.cg.bank

Total Assets

$299.8M

Total Deposits

$260.2M

Branches

6

Established

1972

TFS Health Grade

$
D+

67.5 / 100

Below average financial health

How we grade

Citizens Guaranty Bank is a bank headquartered in Richmond, Kentucky, established in 1972. With $299.8M in total assets and 6 branch locations, it has a TFS Financial Health Grade of D+ (67.5/100).

Capital & Safety

Tier 1 Capital Ratio
8.62%(8%)
Total Capital Ratio
12.61%(10%)
Non-Performing Loan Ratio
2.49%

Profitability

Return on Assets (ROA)
1.38%(1%)
Return on Equity (ROE)
17.04%(10%)
Net Interest Margin
5.27%
Efficiency Ratio
72.13%(60%)

Lending & Liquidity

Total Loans
$272.7M
Loan-to-Deposit Ratio
103.57%
Net Charge-Off Ratio
0.15%

Growth

Asset Growth (YoY)
+5.40%
Deposit Growth (YoY)
+3.48%
Net Income
$4.0M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Other banks in Kentucky