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
Unfavorable gap of $10.0M · efficiency ratio beats 29% of banks under $1B in assets in KY | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.18% | 0.83% | 1.18% | 1.44% | Beats 49% | 35 / 69 | |
| Return on Equity | 13.95% | 7.64% | 11.70% | 15.70% | Beats 65% | 24 / 69 | |
| Net Interest Margin | 5.17% | 3.45% | 3.75% | 3.96% | Beats 97% | 2 / 69 | |
| Efficiency Ratio | 70.06% | 55.32% | 62.99% | 70.80% | Beats 29% | 50 / 69 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.12% | 0.18% | 0.52% | 1.14% | Beats 9% | 64 / 69 | |
| Net Charge-Offs / Loans | 0.19% | 0.01% | 0.02% | 0.06% | Beats 7% | 65 / 69 | |
| Capital |
| Tier 1 Capital Ratio | 11.22% | 11.33% | 13.58% | 16.27% | Beats 23% | 53 / 69 | |
| Total Risk-Based Capital Ratio | 12.47% | 11.55% | 14.43% | 17.27% | Beats 30% | 48 / 69 | |
| Equity / Assets | 8.45% | 8.31% | 9.91% | 12.53% | Beats 26% | 51 / 69 | |
| Liquidity & Funding |
| Loans / Deposits | 108.27% | 71.40% | 81.07% | 88.03% | 93rd pctl | 5 / 69 | |
| Loans / Assets | 92.96% | 61.10% | 68.66% | 76.68% | 99th pctl | 1 / 69 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |