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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 92nd largest bank in the state of Kentucky. It is also the 3,472nd largest bank in the nation. It was established in 1972 and as of December of 2016, it had grown to 49 employees at 6 locations. Citizens Guaranty Bank has a B health rating.

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Health

Health Grade Components

Overall
FDIC Certificate #20872
Year Established1972
Employees49
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.52%
Return on Equity - YTD6.53%
Annual Interest Income$7.1MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$156.7MM$152.0MM
LoansQ4 2016vs Q4 2015$125.1MM$123.1MM
DepositsQ4 2016vs Q4 2015$129.0MM$123.8MM
Equity CapitalQ4 2016vs Q4 2015$12.3MM$12.2MM
Loan Loss AllowanceQ4 2016vs Q4 2015$1.8MM$1.9MM
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$2.7MM$2.3MM
Real Estate OwnedQ4 2016vs Q4 2015$516.00K$292.00K
Rates
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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