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457 East Main Street
Richmond, KY 40475

Citizens Guaranty Bank is headquartered in Richmond and is the 93rd largest bank in the state of Kentucky. It is also the 3,569th largest bank in the nation. It was established in 1972 and as of December of 2015, it had grown to 48 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 Grade Components

FDIC Certificate #20872
Year Established1972
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.5%
Return on Equity - YTD6.15%
Annual Interest Income$6.7MM
Assets and Liabilities
AssetsQ4 2015vs Q4 2014$152.0MM$139.2MM
LoansQ4 2015vs Q4 2014$123.1MM$116.0MM
DepositsQ4 2015vs Q4 2014$123.8MM$106.7MM
Equity CapitalQ4 2015vs Q4 2014$12.2MM$11.9MM
Loan Loss AllowanceQ4 2015vs Q4 2014$1.9MM$1.6MM
Unbacked Noncurrent LoansQ4 2015vs Q4 2014$2.3MM$2.7MM
Real Estate OwnedQ4 2015vs Q4 2014$292.00K$343.00K
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Citizens Guaranty Bank Savings Account Rates

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

Citizens Guaranty Bank Checking Account Rates

2.01%*-$10kKasasa Cash
OTHER TIERS: 0.50% $10k+

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