Citizens Guaranty Bank is headquartered in Richmond and is the 91^st largest bank in the state of Kentucky. It is also the 3,523^rd largest bank in the nation. It was established in 1972 and as of June of 2016, 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.

Overall
FDIC Certificate #	20872
Year Established	1972
Employees	48
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.56%
Return on Equity - YTD	6.9%
Annual Interest Income	$3.5MM

Assets and Liabilities
Assets	Q2 2016vs Q2 2015	$152.9MM$149.6MM
Loans	Q2 2016vs Q2 2015	$126.0MM$119.6MM
Deposits	Q2 2016vs Q2 2015	$124.9MM$120.4MM
Equity Capital	Q2 2016vs Q2 2015	$12.3MM$11.9MM
Loan Loss Allowance	Q2 2016vs Q2 2015	$1.9MM$1.6MM
Unbacked Noncurrent Loans	Q2 2016vs Q2 2015	$2.6MM$2.6MM
Real Estate Owned	Q2 2016vs Q2 2015	$337.00K$168.00K

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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.00%^*	-	$10k	Kasasa Saver
OTHER TIERS: 0.50% → $10k+

Citizens Guaranty Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.01%^*	-	$10k	Kasasa Cash
OTHER TIERS: 0.50% → $10k+

Locations

Citizens Guaranty Bank Locations
London Ky	1105 West 5th Street, Suite 2	London, KY 40744
West Irvine Branch	1282 Richmond Road	Irvine, KY 40336
Berea Branch	214 Richmond Road North	Berea, KY 40403
Irvine Branch	25 River Drive	Irvine, KY 40336
Citizens Guaranty Bank	457 East Main Street	Richmond, KY 40475
Four Mile Branch	2066 Merchant Drive	Richmond, KY 40475

Citizens Guaranty Bank

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Data as of Q2 2016

Health Grade Components

Citizens Guaranty Bank Savings Account Rates

Citizens Guaranty Bank Checking Account Rates