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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

6.10%Q2 ’246.55%Q2 ’256.64%Q2 ’26+12%+2%

Non-interest income vs. expense

4.16%Q2 ’244.32%Q2 ’254.34%Q2 ’26+8%-2%

Executive Summary

  • Earnings: ROA of 1.01%, up 3 bps year over year; NIM at 5.11%.
  • Asset quality: problem loans at 2.11% of loans (+32 bps YoY), with net charge-offs at 0.44%.
  • 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 (quarter, annualized)

1.01%+3 bps YoY

Net Interest Margin (quarter, annualized)

5.11%+12 bps YoY

Efficiency Ratio (quarter, annualized)

72.88%-242 bps YoY

Tier 1 Leverage Ratio

8.65%+53 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.97%1.13%1.27%1.38%1.01%+3 bps
Return on Equity12.16%13.95%15.39%16.09%11.71%-45 bps
Net Interest Margin4.99%5.04%5.27%5.26%5.11%+12 bps
Efficiency Ratio75.30%71.90%66.36%67.35%72.88%-242 bps
Non-Interest Burden3.57%3.38%3.22%3.22%3.49%-7 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 / Loans0.22%0.21%0.09%0.19%0.44%+23 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