Richmond, KY · Cert 20872 · Citizens Guaranty Finl Corp.
State charter, non-member · FDIC · 6 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.74% | 0.86% | 0.98% | 0.98% | 1.03% | 1.09% | 1.38% | 1.19% | +21 bps | |
| Return on Equity | 10.16% | 11.64% | 12.38% | 12.31% | 12.83% | 13.51% | 16.09% | 13.96% | +165 bps | |
| Net Interest Margin | 4.41% | 4.48% | 4.70% | 4.83% | 4.88% | 4.95% | 5.26% | 5.17% | +34 bps | |
| Efficiency Ratio | 78.53% | 76.20% | 75.48% | 75.39% | 74.19% | 72.13% | 67.35% | 70.06% | -533 bps | |
| Non-Interest Burden | 3.28% | 3.21% | 3.31% | 3.43% | 3.40% | 3.34% | 3.22% | 3.35% | -8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.70% | 2.44% | 0.41% | 1.18% | 1.06% | 5.40% | 3.64% | 4.60% | +342 bps | |
| Loan Growth (YoY) | 3.93% | 4.06% | 5.15% | 3.17% | 5.15% | 4.74% | 2.56% | 8.00% | +483 bps | |
| Deposit Growth (YoY) | 3.77% | 3.27% | -0.17% | 0.62% | 0.28% | 3.48% | 3.53% | 1.57% | +95 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.63% | 1.81% | 1.93% | 1.79% | 2.35% | 2.49% | 2.57% | 2.11% | +32 bps | |
| Net Charge-Offs / Loans | 0.21% | 0.19% | 0.07% | 0.14% | 0.16% | 0.14% | 0.19% | 0.31% | +17 bps | |
| Allowance / Loans | 1.18% | 1.16% | 1.16% | 1.17% | 1.15% | 1.17% | 1.20% | 1.13% | -4 bps | |
| Allowance Coverage of NPLs | 0.7x | 0.6x | 0.6x | 0.7x | 0.5x | 0.5x | 0.5x | 0.5x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.75% | 8.00% | 8.22% | 8.12% | 8.29% | 8.62% | 8.89% | 8.65% | +53 bps | |
| Total Risk-Based Capital | 11.82% | 12.04% | 12.19% | 12.28% | 12.43% | 12.61% | 13.13% | 12.47% | +19 bps | |
| Equity / Assets | 7.48% | 7.85% | 8.05% | 7.97% | 8.21% | 8.35% | 8.76% | 8.45% | +47 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 99.43% | 103.53% | 104.22% | 101.83% | 104.25% | 104.80% | 103.24% | 108.27% | +645 bps | |
| Liquid Assets / Assets | 2.06% | 0.34% | 0.31% | 1.38% | 0.85% | 1.58% | 1.77% | 0.22% | -116 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 237% | 235% | 229% | n/a | n/a | |