PackageTrendsPeer
Letter portraitLegal landscape

Citizens Guaranty Bank

Richmond, KY · Cert 20872 · Citizens Guaranty Finl Corp.

State charter, non-member · FDIC · 6 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in KY3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in KY (n=69). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

26

Q2 2024Q2 2026peer median (50)

Asset Quality

8

Q2 2024Q2 2026peer median (50)

Profitability

70

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

29

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Citizens Guaranty Bank

Richmond, KY · Cert 20872 · Citizens Guaranty Finl Corp.

State charter, non-member · FDIC · 6 branches

Q2 2026

$303.6MAssets
$282.2MLoans
$260.7MDeposits
$25.6MEquity
Loan mix
83%RE $225.1M8%C&I $22.1M9%Consumer $24.4MQ2 2025Q2 2026
Deposit mix
67%Interest-bearing $174.8M33%Noninterest $85.8MQ2 2025Q2 2026

NIM

5.93%Q2 ’246.40%Q2 ’256.68%Q2 ’26+13%+7%

Non-interest income vs. expense

4.12%Q2 ’244.29%Q2 ’254.25%Q2 ’26+5%-2%

Executive Summary

  • Earnings: ROA of 1.19%, up 21 bps year over year; NIM at 5.17%.
  • Asset quality: problem loans at 2.11% of loans (+32 bps YoY), with net charge-offs at 0.31%.
  • Capital: tier 1 leverage ratio of 8.65%, up 53 bps from a year ago.
  • Funding: loans stand at 108.27% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.19%+21 bps YoY

Net Interest Margin (YTD, annualized)

5.17%+34 bps YoY

Efficiency Ratio (YTD, annualized)

70.06%-533 bps YoY

Tier 1 Leverage Ratio

8.65%+53 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.98%1.03%1.09%1.38%1.19%+21 bps
Return on Equity12.31%12.83%13.51%16.09%13.96%+165 bps
Net Interest Margin4.83%4.88%4.95%5.26%5.17%+34 bps
Efficiency Ratio75.39%74.19%72.13%67.35%70.06%-533 bps
Non-Interest Burden3.43%3.40%3.34%3.22%3.35%-8 bps
Growth
Asset Growth (YoY)1.18%1.06%5.40%3.64%4.60%+342 bps
Loan Growth (YoY)3.17%5.15%4.74%2.56%8.00%+483 bps
Deposit Growth (YoY)0.62%0.28%3.48%3.53%1.57%+95 bps
Asset Quality
Nonperforming Loans / Loans1.79%2.35%2.49%2.57%2.11%+32 bps
Net Charge-Offs / Loans0.14%0.16%0.14%0.19%0.31%+17 bps
Allowance / Loans1.17%1.15%1.17%1.20%1.13%-4 bps
Allowance Coverage of NPLs0.7x0.5x0.5x0.5x0.5x-0.1x
Capital
Tier 1 Leverage Ratio8.12%8.29%8.62%8.89%8.65%+53 bps
Total Risk-Based Capital12.28%12.43%12.61%13.13%12.47%+19 bps
Equity / Assets7.97%8.21%8.35%8.76%8.45%+47 bps
Liquidity & Funding
Loans / Deposits101.83%104.25%104.80%103.24%108.27%+645 bps
Liquid Assets / Assets1.38%0.85%1.58%1.77%0.22%-116 bps
CRE / Total Capitaln/a237%235%229%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Citizens Guaranty Bank

Richmond, KY · Cert 20872 · Peer group: banks under $1B in assets in KY (n=69) · Citizens Guaranty Finl Corp.

State charter, non-member · FDIC · 6 branches

Q2 2026

$303.6MAssets
$282.2MLoans
$260.7MDeposits
$25.6MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 97% of banks under $1B in assets in KY (rank 2 of 69).
  • Widest gap: net charge-offs / loans trails 93% of banks under $1B in assets in KY (rank 65 of 69).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

1.18%

Rank 35 of 69

Net Interest Margin

5.17%

Rank 2 of 69

Efficiency Ratio

70.06%

Rank 50 of 69

Equity / Assets

8.45%

Rank 51 of 69

Non-interest income vs. expense

$2.7M$12.7MINCOMEEXPENSE
Unfavorable gap of $10.0M · efficiency ratio beats 29% of banks under $1B in assets in KY
Bank 70.06%Peer median 63.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.18%0.83%1.18%1.44%Beats 49%35 / 69
Return on Equity13.95%7.64%11.70%15.70%Beats 65%24 / 69
Net Interest Margin5.17%3.45%3.75%3.96%Beats 97%2 / 69
Efficiency Ratio70.06%55.32%62.99%70.80%Beats 29%50 / 69
Asset Quality
Nonperforming Loans / Loans2.12%0.18%0.52%1.14%Beats 9%64 / 69
Net Charge-Offs / Loans0.19%0.01%0.02%0.06%Beats 7%65 / 69
Capital
Tier 1 Capital Ratio11.22%11.33%13.58%16.27%Beats 23%53 / 69
Total Risk-Based Capital Ratio12.47%11.55%14.43%17.27%Beats 30%48 / 69
Equity / Assets8.45%8.31%9.91%12.53%Beats 26%51 / 69
Liquidity & Funding
Loans / Deposits108.27%71.40%81.07%88.03%93rd pctl5 / 69
Loans / Assets92.96%61.10%68.66%76.68%99th pctl1 / 69
Brokered Deposits / Depositsn/aNot reported for this institution