BlastPoint's Banking Scorecard

Citizens Guaranty Bank

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

Richmond, KY

6 branches across KY

2664 banks in the $100M-$1B peer group nationally 88 in KY

Citizens Guaranty Bank has 3 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 25.4% in tier
+ Revenue Diversifier: Top 35.7% in tier
+ Profitability Leader: Top 39.9% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 37.8% in tier
- Liquidity Strain: Bottom 45.4% in tier
- Nonperforming Asset Ratio 1.70% above tier average
- Efficiency Ratio 2.06% above tier average

Get updates when Citizens Guaranty Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Total Assets ?	$299.2M +3.6% YoY -0.2% QoQ	-$86.8M	$386.1M +0.5% YoY	$702.0M +4.4% YoY	$6.2B +9.1% YoY	46%
Total Loans ?	$268.6M +2.5% YoY -0.3% QoQ	+$12.9M	$255.7M +1.1% YoY	$492.7M +5.5% YoY	$3.2B +10.8% YoY	62%
Total Deposits ?	$263.3M +3.5% YoY +1.2% QoQ	-$64.7M	$328.0M +0.1% YoY	$590.5M +4.1% YoY	$4.8B +8.2% YoY	47%
Return on Assets ?	1.75% +40.1% YoY +27.1% QoQ	+0.48%	1.27% +12.9% YoY	1.25% +16.2% YoY	1.23% +13.4% YoY	80%
Net Interest Margin ?	5.52% +10.9% YoY +4.7% QoQ	+1.59%	3.93% +6.0% YoY	3.88% +7.4% YoY	3.89% +5.7% YoY	Top 2.8% in tier
Efficiency Ratio ?	67.35% -10.8% YoY -6.6% QoQ	+2.06%	65.29% -4.5% YoY	64.22% -6.1% YoY	66.95% -4.1% YoY	39%
Delinquency Rate ?	2.60% +33.7% YoY +3.5% QoQ	+1.72%	0.89% +18.8% YoY	0.89% +17.0% YoY	0.95% +18.8% YoY	Bottom 7.7% in tier
Loan-to-Deposit Ratio ?	102.00% -1.0% YoY -1.5% QoQ	+25.37%	76.64% +0.8% YoY	80.71% +1.5% YoY	76.70% +0.9% YoY	Bottom 6.8% in tier
Non-Interest-Bearing Deposit Share ?	33.53% -4.0% YoY +5.9% QoQ	+11.51%	22.02% -1.0% YoY	23.47% -1.8% YoY	22.01% -1.2% YoY	Top 11.6% in tier
Nonperforming Asset Ratio ?	2.34% +31.6% YoY +3.3% QoQ	+1.70%	0.64% +19.7% YoY	0.61% +22.3% YoY	0.67% +19.3% YoY	Bottom 4.9% in tier
Tier 1 Capital Ratio ?	11.87% +8.5% YoY +4.5% QoQ	-3.96%	15.83% +1.5% YoY	14.97% -0.1% YoY	17.06% +0.8% YoY	34%
Non-Interest Income / Assets ?	0.24% +0.7% YoY -70.5% QoQ	-0.04%	0.28% +9.3% YoY	0.16% +4.4% YoY	0.32% +4.1% YoY	Top 9.7% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 (3)

Deposit Franchise

growth

#70 of 272 • Top 25.4% 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: 33.53%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 5.52%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 banks QoQ | QoQ rank improving

Revenue Diversifier

growth

#239 of 666 • Top 35.7% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.24%

(Tier: 0.28%, National: 0.32%)

but worse than tier avg

Return on Assets: 1.75%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Profitability Leader

growth

#267 of 666 • Top 39.9% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 1.75%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ

Concerns (2)

Credit Risk Growth

risk

#369 of 973 • Bottom 37.8% in tier

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

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ | QoQ rank improving

Liquidity Strain

risk

#293 of 643 • Bottom 45.4% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 102.00%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (4 metrics)

Net Interest Margin

profitability

Value: 5.52%

Peer Median: 3.93%

#76 of 2664 Top 2.8% in $100M-$1B

259

Non-Interest Income / Assets

revenue_mix

Value: 0.24%

Peer Median: 0.28%

#259 of 2664 Top 9.7% in $100M-$1B

311

Non-Interest-Bearing Deposit Share

funding

Value: 33.53%

Peer Median: 22.02%

#311 of 2664 Top 11.6% in $100M-$1B

546

Return on Assets

profitability

Value: 1.75%

Peer Median: 1.27%

#546 of 2664 Top 20.5% in $100M-$1B

Top Weaknesses (3 metrics)

2534

Nonperforming Asset Ratio

credit_quality

Value: 2.34%

Peer Median: 0.64%

#2534 of 2664 Bottom 4.9% in $100M-$1B

2485

Loan-to-Deposit Ratio

liquidity

Value: 102.00%

Peer Median: 76.64%

#2485 of 2664 Bottom 6.8% in $100M-$1B

2451

Delinquency Rate

credit_quality

Value: 2.60%

Peer Median: 0.89%

#2451 of 2654 Bottom 7.7% in $100M-$1B