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Overview / Commentary
859-624-2138
457 East Main Street
Richmond, KY 40475

Citizens Guaranty Bank is headquartered in Richmond and is the 90th largest bank in the state of Kentucky. It is also the 3,524th largest bank in the nation. It was established in 1972 and as of March of 2016, it had grown to 47 employees at 6 locations. Citizens Guaranty Bank's savings rates are 92% higher than the national average, and it has a B health rating.

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Health
B

Health Grade Components

Overall
FDIC Certificate #20872
Year Established1972
Employees47
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.61%
Return on Equity - YTD7.6%
Annual Interest Income$1.7MM
Assets and Liabilities
AssetsQ1 2016vs Q1 2015$153.3MM$143.2MM
LoansQ1 2016vs Q1 2015$122.8MM$116.9MM
DepositsQ1 2016vs Q1 2015$125.4MM$114.0MM
Equity CapitalQ1 2016vs Q1 2015$12.3MM$11.9MM
Loan Loss AllowanceQ1 2016vs Q1 2015$1.9MM$1.6MM
Unbacked Noncurrent LoansQ1 2016vs Q1 2015$2.3MM$2.4MM
Real Estate OwnedQ1 2016vs Q1 2015$292.00K$230.00K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Citizens Guaranty Bank Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%*-$10kKasasa Saver
OTHER TIERS: 0.50% $10k+

Citizens Guaranty Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.01%*-$10kKasasa Cash
OTHER TIERS: 0.50% $10k+
Locations


Citizens Guaranty Bank Locations
London Ky1105 West 5th Street, Suite 2London, KY 40744
West Irvine Branch1282 Richmond RoadIrvine, KY 40336
Berea Branch214 Richmond Road NorthBerea, KY 40403
Irvine Branch25 River DriveIrvine, KY 40336
Citizens Guaranty Bank457 East Main StreetRichmond, KY 40475
Four Mile Branch2066 Merchant DriveRichmond, KY 40475