Citizens Guaranty Bank

Overview / Commentary
457 East Main Street
Richmond, KY 40475-1630

Citizens Guaranty Bank is headquartered in Richmond and is the 72nd largest bank in the state of Kentucky. It is also the 2,828th largest bank in the nation. It was established in 1972 and as of June of 2021, it had grown to 72 employees at 7 locations. Citizens Guaranty Bank has a B+ health rating.

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Health Grade Components

FDIC Certificate #20872
Year Established1972
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.82%
Return on Equity - YTD12.61%
Annual Interest Income$5.6MM
Assets and Liabilities
AssetsQ2 2021vs Q2 2020$242.1MM$216.7MM
LoansQ2 2021vs Q2 2020$205.9MM$172.5MM
DepositsQ2 2021vs Q2 2020$210.9MM$183.0MM
Equity CapitalQ2 2021vs Q2 2020$15.1MM$14.4MM
Loan Loss AllowanceQ2 2021vs Q2 2020$2.8MM$2.4MM
Unbacked Noncurrent LoansQ2 2021vs Q2 2020$2.0MM$2.2MM
Real Estate OwnedQ2 2021vs Q2 2020$0$169.00K
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Citizens Guaranty Bank Savings Account Rates

0.50%*-$10kKasasa Saver
OTHER TIERS: 0.20% $10k+

Citizens Guaranty Bank Checking Account Rates

1.50%*-$10kKasasa Cash Checking
OTHER TIERS: 0.35% $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
Stanton Branch488 S Main StStanton, KY 40380

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