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Citizens Guaranty Bank

$100M-$1B Specialty: Commercial KY FDIC cert 20872

Richmond, KY

6 branches across KY

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 88 in KY.
  • Deposits +1.6% year over year ($260.7M on the books).
  • Delinquency rate 2.14%.
  • Return on assets 1.51%.
  • Efficiency ratio 70.06% vs a 64.48% peer average.
  • Loan-to-deposit ratio 107.05% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 88 in KY
View $100M-$1B leaderboard (KY) →

Citizens Guaranty Bank has 2 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Deposit Franchise: Top 28.8% in tier
  • + ROA 0.19% above tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 48.3% in tier
  • - Loan-to-Deposit Ratio 29.10% above tier average
  • - Nonperforming Asset Ratio 1.57% above tier average
  • - Efficiency Ratio 5.58% above tier average
Get updates when Citizens Guaranty Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Total Assets ? $303.6M
+4.6% YoY +1.5% QoQ
-$83.0M $386.6M
+1.2% YoY
$707.7M
+4.5% YoY
$6.3B
+7.7% YoY
47%
Total Loans ? $279.0M
+8.0% YoY +3.9% QoQ
+$20.7M $258.3M
+1.7% YoY
$500.8M
+5.4% YoY
$3.2B
+9.4% YoY
64%
Total Deposits ? $260.7M
+1.6% YoY -1.0% QoQ
-$66.1M $326.7M
+0.7% YoY
$593.9M
+4.1% YoY
$4.9B
+7.3% YoY
47%
Return on Assets ? 1.51%
+21.8% YoY -14.0% QoQ
+0.19% 1.32%
+10.8% YoY
1.28%
+12.5% YoY
1.30%
+12.1% YoY
66%
Net Interest Margin ? 5.43%
+5.9% YoY -1.6% QoQ
+1.45% 3.99%
+5.0% YoY
3.93%
+6.2% YoY
3.95%
+4.9% YoY
Top 3.4% in tier
Efficiency Ratio ? 70.06%
-7.1% YoY +4.0% QoQ
+5.58% 64.48%
-3.2% YoY
64.24%
-3.9% YoY
70.05%
+2.5% YoY
30%
Delinquency Rate ? 2.14%
+18.0% YoY -17.9% QoQ
+1.22% 0.92%
+15.7% YoY
0.91%
+20.0% YoY
0.98%
+16.3% YoY
Bottom 11.6% in tier
Loan-to-Deposit Ratio ? 107.05%
+6.4% YoY +4.9% QoQ
+29.10% 77.95%
+1.0% YoY
81.25%
+1.1% YoY
79.03%
+2.3% YoY
Bottom 5.0% in tier
Non-Interest-Bearing Deposit Share ? 32.93%
-3.3% YoY -1.8% QoQ
+10.90% 22.03%
-0.6% YoY
23.27%
-2.3% YoY
21.98%
-0.6% YoY
Top 12.7% in tier
Nonperforming Asset Ratio ? 2.24%
+38.5% YoY -4.4% QoQ
+1.57% 0.67%
+16.4% YoY
0.64%
+23.9% YoY
0.69%
+15.8% YoY
Bottom 5.9% in tier
Tier 1 Capital Ratio ? 11.22%
+1.7% YoY -5.5% QoQ
-4.69% 15.91%
+1.4% YoY
16.76%
+11.6% YoY
17.09%
+0.8% YoY
26%
Non-Interest Income / Assets ? 0.45%
+4.4% YoY +84.7% QoQ
-0.12% 0.57%
+7.6% YoY
0.31%
+0.1% YoY
0.66%
+5.2% YoY
Top 11.5% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Noninterest-Bearing 32.9%
-1.1pp YoY
-0.6pp QoQ
 +10.8pp 22.1% 23.5% 22.2% 87%
Brokered Deposits n/a n/a 7.9% 5.4% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
C&I 8.1%
-0.1pp YoY
-0.1pp QoQ
 -3.5pp 11.6% 8.6% 12.5% 41%
CRE 23.2%
+1.7pp YoY
+0.6pp QoQ
 -16.4pp 39.5% 37.1% 41.4% 23%
1-4 Family 59.2%
-0.8pp YoY
-0.9pp QoQ
 +26.5pp 32.6% 41.6% 31.3% 89%
Consumer 9.4%
-0.5pp YoY
+0.3pp QoQ
 +5.3pp 4.1% 4.8% 5.0% 91%

Capital

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
CET1 Ratio 11.2%
+0.2pp YoY
-0.6pp QoQ
 -7.6pp 18.8% 20.2% 19.7% 10%
Leverage Ratio 8.6%
+0.5pp YoY
-0.2pp QoQ
 -3.5pp 12.2% 14.0% 12.6% 8%
Total Capital Ratio 12.5%
+0.2pp YoY
-0.7pp QoQ
 -7.5pp 19.9% 21.3% 20.8% 11%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Full-Time Employees 84
+7 (+9.1%) YoY
0 QoQ
 +25 58 105 482 79%
Assets per Employee ($) $3.6M
-4.1% YoY
+1.5% QoQ
 -$3.9M $7.5M $6.3M $8.8M 2%
Branch Count 6
0 YoY
0 QoQ
 +1 4 8 18 66%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.3% 0.4% 4%
Nonaccrual 2.1%
+0.3pp YoY
-0.5pp QoQ
 +1.2pp 0.9% 0.8% 1.0% 89%
Allowance Coverage 0.53x
-18.4% YoY
+14.6% QoQ
 -23.62x 24.15x 7.45x 20.23x 11%
Net Charge-off Rate (YTD) 0.3%
+0.2pp YoY
+0.1pp QoQ
 +0.2pp 0.1% 0.1% 0.2% 90%

Profitability

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
ROE 17.7%
+2.1pp YoY
-2.8pp QoQ
 +5.5pp 12.2% 13.3% 11.6% 81%
Cost of Funds (YTD) 1.6%
-0.1pp YoY
0.0pp QoQ
 -0.1pp 1.7% 1.7% 1.7% 42%
Net Income ($, YTD) $2.3M
+27.3% YoY
— QoQ
 -$287K $2.6M $5.1M $40.4M 58%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Deposit Franchise

growth
#81 of 278 • Top 28.8% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 32.93%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 5.43%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank declining

Concerns (1)

Credit Risk Growth

risk
#453 of 936 • Bottom 48.3% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

90
Net Interest Margin
profitability
Value: 5.43%
Peer Median: 3.99%
#90 of 2643 Top 3.4% in $100M-$1B
305
Non-Interest Income / Assets
revenue_mix
Value: 0.45%
Peer Median: 0.57%
#305 of 2643 Top 11.5% in $100M-$1B
337
Non-Interest-Bearing Deposit Share
funding
Value: 32.93%
Peer Median: 22.03%
#337 of 2643 Top 12.7% in $100M-$1B

Top Weaknesses (3 metrics)

2513
Loan-to-Deposit Ratio
liquidity
Value: 107.05%
Peer Median: 77.95%
#2513 of 2643 Bottom 5.0% in $100M-$1B
2489
Nonperforming Asset Ratio
credit_quality
Value: 2.24%
Peer Median: 0.67%
#2489 of 2643 Bottom 5.9% in $100M-$1B
2328
Delinquency Rate
credit_quality
Value: 2.14%
Peer Median: 0.92%
#2328 of 2633 Bottom 11.6% in $100M-$1B
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