Side-by-side · Q2 2026 data
Citizens Guaranty Bank vs Whitaker Bank
Metric by metric
| Measure | Citizens Guaranty Bank | Whitaker Bank |
|---|---|---|
| TellerScore | 48 | 84 (stronger) |
| Capital cushion | 36 | 79 (stronger) |
| Loan quality | 30 | 93 (stronger) |
| Earnings | 80 (stronger) | 77 |
| Funding & liquidity | 53 | 80 (stronger) |
| Problem-loan coverage | 53 | 98 (stronger) |
| Peer percentile | 6th | 95th |
| Total assets | $303.6M | $1.9B |
| Deposits / shares | $260.7M | $1.6B |
| Capital ratio | 8.65% | 12.89% (stronger) |
| Problem loans | 2.11% | 0.21% (stronger) |
| Net charge-offs | 0.32% | 0.06% (stronger) |
| Return on assets | 1.51% (stronger) | 1.42% |
| Loans ÷ deposits | 107.0% | 67.3% (stronger) |
| Uninsured deposits | 14.1% (stronger) | 26.8% |
| Offices | 6 | 44 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Whitaker Bank has the higher TellerScore (84 vs 48). On the 7 directional measures above (where higher or lower is clearly better), Citizens Guaranty Bank leads on 2 and Whitaker Bank on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Richmond, KY
- Berea, KY
- Stanton, KY