Citizens Guaranty Bank
Richmond, KY
IDRSSD: 764816
Total Assets
$291.42M
Latest filing
Total Deposits
$256.62M
Latest filing
Net Interest Margin
5.34%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Citizens Guaranty Bank
457 E Main St
Richmond, KY 40475
Full Service - Brick and Mortar
Updated 11/14/2025Established 11/29/1972FDIC Certificate 14420
Branches (5)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Citizens Guaranty Bank (Main) | 457 E Main St | Richmond, KY |
| WEST IRVINE BRANCH | 1282 Richmond Rd | Irvine, KY |
| IRVINE BRANCH | 25 River Dr | Irvine, KY |
| MERCHANT DRIVE BRANCH | 2066 Merchant Dr | Richmond, KY |
| BEREA BRANCH | 214 Richmond Rd N | Berea, KY |
| STANTON BRANCH | 488 S Main St | Stanton, KY |
Showing 5 of 5
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 11/29/1972 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 40475 |
| State and County Number | 21151 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 04 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Richmond-Berea, KY |
Operational Info
| Number of Employees | 77 |
| Domestic Offices | 6 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 11/29/1972 |
| Primary Insurance Agency | DIF |
| Website | www.cg.bank |
| Data Updated | 11/14/2025 |
| CERT | 20872 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $291.42M |
| Total Deposits | $256.62M |
| Total Liabilities | $267.50M |
| Total Equity Capital | $23.92M |
| Net Income | $1.04M |
| Net Loans and Leases | $264.45M |
| Assets Per Employee ($Millions) | $3.39M |
| Bank Premises and Fixed Assets | $4.50M |
| Cash and Balances due from Depository Institutions | $7.37M |
| Deposits Held in Domestic Offices | $256.62M |
Key Performance Ratios
| Return on Assets (ROA) | 1.43% |
| Return on Equity (ROE) | 17.68% |
| Net Interest Margin | 5.34% |
| Efficiency Ratio | 71.9% |
| Tier 1 Risk-Based Capital Ratio | 11.181% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.22% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.208% |
| Earning Assets to total Assets | 94.97% |
Income and Expense
| Total Interest Income | $4.81M |
| Total Noninterest Income | $611.00k |
| Total Interest Expense | $1.13M |
| Total Noninterest Expense | $3.08M |
| Net Interest Income | $3.67M |
| Pre-tax Net Operating Income | $1.04M |
| Provision for Credit Losses | $160.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $8.00k |
| Other borrowed funds | $7.50M |
| Federal Funds Sold & Reverse Repurchase Agreement | $195.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $3.38M |
| Total Liabilities and Capital | $291.42M |
Securities
| Securities | $9.66M |
| Available-for-sale debt securities | $9.66M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Citizens Guaranty Bank?
$291.42M as of the latest filing.
How much are Citizens Guaranty Bank's total deposits?
$256.62M in total deposits.
Where is Citizens Guaranty Bank located?
Richmond, KY.
What is the Net Interest Margin?
5.34%.
How many domestic offices does it operate?
6.
When was it established?
11/29/1972.
What is the Return on Assets (ROA)?
1.43%.
How much are total loans and leases?
$264.45M (latest filing).
What is the total interest income (latest filing)?
$4.81M.