Total Assets
$300M
Total balance-sheet footings
FDIC Cert #20872 · Richmond, Kentucky · Est. 1972
Citizens Guaranty Bank - FDIC Bank Health Profile
A community-scale look at Citizens Guaranty Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $300M
- Total assets
- C
- Health grade · Fair
- 1.38%
- Return on assets
- 11.4%
- Tier 1 capital
Data updated July 2026
The verdict
Citizens Guaranty Bank earns a PlainBankData health grade of C (62/100), with well-capitalized at 11.36% Tier 1, profitable at 1.38% ROA, 72% efficiency ratio.
- #2,491
- largest of 4,313 FDIC banks by assets
- 42nd
- percentile by asset size, nationally
- 11.36%
- Tier 1 ratio - above the 10% well-capitalized line
- 68th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Citizens Guaranty Bank's 62/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Citizens Guaranty Bank's composite health score
Tier 1 Capital Ratio (11.36%) 28/40
Return on Assets (ROA) (1.38%) 20/25
Texas Ratio (24.03%) 10/20
Efficiency Ratio (72.13%) 4/15
62 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$260M
Customer-funded liabilities
Net Loans
$270M
Outstanding loan book
Net Income
$4M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Citizens Guaranty Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Citizens Guaranty Bank's score of 62/100 falls in the highlighted band.
Citizens Guaranty Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Citizens Guaranty Bank's $300M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
11.36% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
11.36%
Texas Ratio
24.03%
Equity Capital
$25M
Profitability metrics
Return on Assets (ROA)
68th percentile nationally
1.38%
Return on Equity (ROE)
17.04%
Efficiency Ratio
72.13%
What the numbers say about Citizens Guaranty Bank
Citizens Guaranty Bank is an FDIC-insured institution (Certificate #20872) headquartered in Richmond, Kentucky, established in 1972. It holds $300M in total assets - 2,491st of 4,313 FDIC-insured banks, $260M in customer deposits, and $270M in net loans. Looking at capital strength, Tier 1 stands at 11.36%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 24.03%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of C (62/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Kentucky, Citizens Guaranty Bank ranks 62nd of 120 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$19M
Interest Income
$2M
Non-Interest Income
$12M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Citizens Guaranty Bank reports a Texas Ratio of 24.03% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
24.03% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Kentucky by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Citizens Guaranty Bank (FDIC Cert #20872) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Kentucky
All Kentucky banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Stock Yards Bank & Trust CompanyLouisville | $9.5B | A | 1.57% |
| Republic Bank & Trust CompanyLouisville | $7.0B | A | 1.89% |
| Community Trust Bank, Inc.Pikeville | $6.6B | A | 1.50% |
| Central Bank & Trust Co.Lexington | $3.9B | B | 1.16% |
| Independence Bank of KentuckyOwensboro | $3.8B | B | 0.80% |
| Traditional Bank, Inc.Mount Sterling | $2.5B | B | 0.80% |
| Heritage Bank, Inc.Burlington | $2.1B | B | 1.08% |
| South Central Bank, Inc.Glasgow | $2.1B | A | 1.25% |
Frequently asked questions
What is Citizens Guaranty Bank's health grade?▼
Citizens Guaranty Bank receives a health grade of C (62/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Citizens Guaranty Bank?▼
Citizens Guaranty Bank holds $300M in total assets and $260M in deposits, ranking 2,491st of 4,313 FDIC-insured banks by asset size. It is headquartered in Richmond, Kentucky.
Is my money safe at Citizens Guaranty Bank?▼
Yes, deposits at Citizens Guaranty Bank (Certificate #20872) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Citizens Guaranty Bank's Tier 1 Capital Ratio?▼
Citizens Guaranty Bank has a Tier 1 Capital Ratio of 11.36%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Citizens Guaranty Bank?▼
Citizens Guaranty Bank has a Texas Ratio of 24.03%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Citizens Guaranty Bank?▼
Citizens Guaranty Bank has an Efficiency Ratio of 72.13%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Citizens Guaranty Bank's profile as a depositor or analyst.
- Citizens Guaranty Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Citizens Guaranty Bank against other Kentucky banks before moving funds. Kentucky banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.