FDIC certificate 20872
Citizens Guaranty Bank
Richmond, Kentucky · 457 E Main St 40475
Hunter Score
This bank ranks near the middle of its size group.
Down 7 points from last quarter.
Compared with 1,424 banks with $300 million to $1 billion in assets.
A high score is not a recommendation to buy or sell.
What stands out
Citizens Guaranty Bank has a Hunter Score of 56 out of 100 for Q2 2026, ending June 30, 2026. This bank ranks near the middle of its size group. The comparison is with banks with $300 million to $1 billion in assets.
The FDIC reported net interest margin of 5.43% (field NIMY). Among banks with $300 million to $1 billion in assets, the peer rank for this measure is 98 out of 100. A rank of 50 is typical.
The FDIC reported noncurrent loans of 2.11% (field NCLNLSR). Among banks with $300 million to $1 billion in assets, the peer rank for this measure is 11 out of 100. A rank of 50 is typical.
Warning flags
These are factual readings from FDIC fields. A flag is a reason to read the number, not a finding that the bank is unsafe.
- Construction loans are at least 100% of capitalConstruction and land development loans were $29,425,000. Total risk-based capital (FDIC field RBC) was $28,746,000. Loans were 102% of that capital. Bank supervisors have used 100% as a level that deserves a closer look. It is not a legal limit, and it is not a statement that the loans are in trouble.
Held-to-maturity unrealized losses are not flagged. The FDIC file does not publish a held-to-maturity cost that we can subtract from fair value without guessing.
Similar banks
Other banks in Kentucky with $300 million to $1 billion in assets, ordered by Hunter Score.
- Cumberland Security Bank, Inc.93out of 100
- Wilson & Muir Bank & Trust Company85out of 100
- Farmers Bank and Trust Company73out of 100
- The First National Bank of Grayson69out of 100
- The Citizens National Bank of Somerset67out of 100
Top Hunter Scores in Kentucky · Top scores with $300 million to $1 billion in assets
The five measures
Numbers below are for Q2 2026, ending June 30, 2026. They are copied from the FDIC. We do not recalculate them.
Return on equity (ROE)
17.69%
Profit for each dollar of the bank's capital. Higher is stronger.
Peer rank 79 out of 100. Stronger than most similar-sized banks.
More about this number
The FDIC reports this as ROE. A common benchmark is above 10%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Return on assets (ROA)
1.51%
Profit for each dollar of assets. Higher is stronger.
Peer rank 65 out of 100. Near the middle of similar-sized banks.
More about this number
The FDIC reports this as ROA. A common benchmark is above 1%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Net interest margin (NIM)
5.43%
The gap between what the bank earns on loans and securities and what it pays for funding. Higher means a wider gap.
Peer rank 98 out of 100. Stronger than most similar-sized banks.
More about this number
The FDIC reports this as NIMY. A common benchmark is above 3%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Efficiency ratio
70.06%
What the bank spends to produce a dollar of revenue. Lower is leaner.
Peer rank 27 out of 100. Weaker than most similar-sized banks.
More about this number
The FDIC reports this as EEFFR. A common benchmark is below 60%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Noncurrent loans
2.11%
Loans that are past due or no longer accruing interest, as a share of all loans. Lower is safer.
Peer rank 11 out of 100. Weaker than most similar-sized banks.
More about this number
The FDIC reports this as NCLNLSR. A common benchmark is below 1%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Recent quarters
- Q2 2026, ending June 30, 202656 out of 100
- Q1 2026, ending March 31, 202663 out of 100
- Q4 2025, ending December 31, 202556 out of 100
- Q3 2025, ending September 30, 202553 out of 100
- Q2 2025, ending June 30, 202553 out of 100
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About this bank
- Total assets
- $303.6 million
- Deposits
- $260.7 million
- Equity
- $25.6 million
- Tangible equity
- $25.6 millionBank-level FDIC equity minus goodwill and other intangible assets (FDIC fields EQ and INTANGW). This is not the holding company's tangible book, and it is not per share.
- Offices
- 6
- Charter
- State bank, not a Federal Reserve member
- Specialty
- Commercial Lending Specialization
- Community bank
- Yes, by the FDIC definition
- Net income
- $2.3 millionYear-to-date, as reported. Not annualized.
Holding company and stock symbol
Holding company: Citizens Guaranty Finl Corp, Irvine, KY. Federal Reserve RSSD 1143294.
We do not have a verified stock symbol for this bank. Many community banks are not publicly traded. A symbol is shown only after it matches an SEC filing, or after it is added to the reviewed list.
What is this bank worth per share?
Where it is
457 E Main St, Richmond, KY 40475
Showing the main office reported to the FDIC. Use the plus and minus buttons on the map to zoom. Map data is from OpenStreetMap.