Citizens Guaranty Bank
Richmond, KY · Owner: Citizens Guaranty Finl Corp
$304M
total assets, June 30, 2026
$304M
total assets, June 30, 2026
Citizens Guaranty Bank is a state nonmember bank based in Richmond, KY, owned by Citizens Guaranty Finl Corp. As of June 30, 2026 it held $303.6 million in assets and $260.7 million in deposits; assets were up 4.6% from a year before. It has 6 branches.
Updated Oct 11, 2026 · numbers as of June 30, 2026
Total assets
$304M
+4.6% in a year · +1.5% in a quarter
Deposits
$261M
+1.6% in a year · -1.0% in a quarter
Loans
$282M
+8.0% in a year · +3.8% in a quarter
Profit so far
$2.3M
Jan 1 to Jun 30, 2026 · +27.3% in a year
Capital ratio
8.65%
+0.53 pts in a year
Return on assets
1.51%
+0.27 pts in a year
Facts
- Type
- State nonmember bank
- Head office
- 457 E Main St, Richmond, KY, 40475
- County
- Madison
- Holding company
- Citizens Guaranty Finl Corp
- Established
- Nov 29, 1972
- Employees
- 84
- Branches
- 6
- Website
- www.cg.bank
- Id
- b20872
Quarter by quarter
March 31, 1984 to June 30, 2026
Assets, deposits and loans
Each quarter end, US dollars
Profit by quarter
Net income of each quarter, the last 12
Ratios
Percent. Return on assets and net interest margin are yearly rates.
Branches
6 offices as of June 30, 2026, holding $260.7 million in deposits
Branch map
Every branch, sized by its deposits
| State | Branches | Deposits | Share |
|---|---|---|---|
| Kentucky | 6 | $261M | 100.0% |
| Largest branches | Place | Deposits |
|---|---|---|
| Irvine Branch | Irvine, KY | $151M |
| Merchant Drive Branch | Richmond, KY | $49.0M |
| Stanton Branch | Stanton, KY | $29.8M |
| Berea Branch | Berea, KY | $15.1M |
| Citizens Guaranty Bank (main office) | Richmond, KY | $9.7M |
| West Irvine Branch | Irvine, KY | $6.3M |
Related pages
Questions and answers
How big is Citizens Guaranty Bank?
$303.6 million in total assets and $260.7 million in deposits as of June 30, 2026, with assets up 4.6% from a year before. Its loans were $282.2 million.
How many branches does Citizens Guaranty Bank have?
6 branches in Kentucky as of June 30, 2026.
Is Citizens Guaranty Bank profitable?
Yes: it earned $2.27 million from January 1 to June 30, 2026 (up 27.3% from the same months a year before). Its return on assets was 1.51% a year; about 1% is typical.
Who owns Citizens Guaranty Bank?
Citizens Guaranty Bank is owned by Citizens Guaranty Finl Corp, its holding company.
Official public data from the reports every insured bank files each quarter. Profit so far runs from January 1 to the quarter end. Branch deposits are counted once a year, as of June 30. New quarters appear about two months after the quarter ends.