TellerScore

Headquartered in Richmond, Kentucky, Citizens Guaranty Bank is a state-chartered bank with $303.6M in total assets and $260.7M in deposits as of Q2 2026. It operates 6 offices. Its charter dates back to 1972.

Citizens Guaranty Bank has a TellerScore of 48 out of 100 (below average) based on Q2 2026 data — higher than only 6% of its 2,650 banks with $100 million – $1 billion. Among 120 banks headquartered in Kentucky, it ranks 114th. Earnings contributes the most (80/100, 1.51%); loan quality contributes the least (30/100, 2.11%).

TellerScore · Q2 2026

Scorecard

Capital cushion36/100
Tier 1 leverage ratio: 8.65%
Loan quality30/100
Noncurrent loans ÷ total loans: 2.11%
Earnings80/100
Return on assets (annualized): 1.51%
Funding & liquidity53/100
Loans ÷ deposits and uninsured-deposit share: 107.0% · 14.1% uninsured
Problem-loan coverage53/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 23.56%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (49 → 48).

TellerScore
444749Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202447
Q3 202447
Q4 202447
Q1 202547
Q2 202549
Q3 202544
Q4 202544
Q1 202647
Q2 202648
Tier 1 leverage ratio
5.00%6.95%8.89%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20247.58%
Q3 20247.75%
Q4 20248.00%
Q1 20258.22%
Q2 20258.12%
Q3 20258.29%
Q4 20258.62%
Q1 20268.89%
Q2 20268.65%
Noncurrent loans
1.52%2.05%2.57%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.52%
Q3 20241.63%
Q4 20241.81%
Q1 20251.93%
Q2 20251.79%
Q3 20252.35%
Q4 20252.49%
Q1 20262.57%
Q2 20262.11%
Return on assets
0.85%1.30%1.75%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.85%
Q3 20240.94%
Q4 20241.09%
Q1 20251.25%
Q2 20251.24%
Q3 20251.30%
Q4 20251.38%
Q1 20261.75%
Q2 20261.51%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202648$303.6M8.65%2.11%1.51%107.0%
Q1 202647$299.2M8.89%2.57%1.75%102.0%
Q4 202544$299.8M8.62%2.49%1.38%103.6%
Q3 202544$291.4M8.29%2.35%1.30%103.1%
Q2 202549$290.2M8.12%1.79%1.24%100.6%
Q1 202547$288.7M8.22%1.93%1.25%103.0%
Q4 202447$284.4M8.00%1.81%1.09%102.3%
Q3 202447$288.4M7.75%1.63%0.94%98.3%
Q2 202447$286.9M7.58%1.52%0.85%98.1%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio8.65%
8th
Total risk-based capital12.47%
54th
Problem loans2.11%
11th
Net charge-offs0.32%
8th
Return on assets1.51%
66th
Net interest margin5.43%
97th
Efficiency ratio70.1%
30th
Loans to deposits107.0%
5th
Uninsured deposits14.1%
84th
Loan-loss reserves1.13%
42nd
Texas ratio23.6%
4th

Similar-size banks in Kentucky

InstitutionScoreAssetsCapitalProblem loansCompare
Hometown Bank of Corbin, Inc.Bank Corbin, KY63 out of 100, Moderate$302.3M8.8%0.52%vs
The Farmers Bank of MiltonBank Milton, KY64 out of 100, Moderate$305.1M12.6%1.26%vs
United Citizens Bank of Southern KentuckyBank Columbia, KY81 out of 100, Strong$286.2M12.1%0.43%vs
Bank of Edmonson CountyBank Brownsville, KY64 out of 100, Moderate$283.4M10.6%1.66%vs
The Farmers BankBank Nicholasville, KY78 out of 100, Strong$282.7M11.0%0.00%vs
First Federal Savings Bank of KentuckyBank Frankfort, KY64 out of 100, Moderate$282.6M10.5%0.44%vs

Deposit insurance

Is my money safe at Citizens Guaranty Bank?

Yes. Citizens Guaranty Bank is an FDIC-insured institution (FDIC certificate #20872). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 14.1% of deposits ($36.7M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 8.65%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.47% (benchmark: 10%).

Check how much of your own balance is covered

6 locations

Branches

Citizens Guaranty Bank lists 6 offices in 4 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Citizens Guaranty Bank
Type
State-chartered bank
FDIC certificate #
20872
RSSD ID
764816
Primary regulator
FDIC
Holding company
Citizens Guaranty Finl Corp
Established
November 29, 1972
Headquarters
457 E Main St, Richmond, KY 40475
Employees
84

Quick answers

Citizens Guaranty Bank: common questions

Is Citizens Guaranty Bank FDIC insured?

Yes. Citizens Guaranty Bank is an FDIC-insured institution (FDIC certificate #20872). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Citizens Guaranty Bank's TellerScore?

48 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Citizens Guaranty Bank ever failed?

There is no failure record for FDIC certificate #20872 in the FDIC failed bank list.

How many branches does Citizens Guaranty Bank have?

6 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Richmond

InstitutionScoreAssetsCapitalProblem loansCompare
The Health & Education Federal Credit UnionCredit union Lexington, KY97 out of 100, Very strong$125.8M17.7%0.23%vs
Pbk Bank, Inc.Bank Stanford, KY94 out of 100, Very strong$175.6M15.2%0.46%vs
Jackson County BankBank Mc Kee, KY92 out of 100, Very strong$175.9M28.8%0.68%vs
Whitaker BankBank Lexington, KY84 out of 100, Strong$1.9B12.9%0.21%vs
Republic Bank & Trust CompanyBank Louisville, KY84 out of 100, Strong$7.1B14.8%0.56%vs
Guardian Savings BankBank West Chester, OH83 out of 100, Strong$1.4B11.4%0.20%vs