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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Richmond, KY · FDIC certificate #20872
CITIZENS GUARANTY BANK is an FDIC-insured institution based in Richmond, KY (FDIC certificate #20872). In its Q3 2026 Call Report it reported total assets of $315M, total deposits of $276M and net loans of $293M. Its primary federal regulator is FDIC.
Plain-language readout
CITIZENS GUARANTY BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $315M in Q3 2026 and were lowest at $299M in Q1 2026.
Total deposits were highest at $276M in Q3 2026 and lowest at $261M in Q2 2026.
Over the whole period total assets rose 5.4%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $315M | $276M | $293M | 1.41% | 16.62% | 5.41% |
| Q2 2026 | $304M | $261M | $279M | 1.51% | 17.69% | 5.43% |
| Q1 2026 | $299M | $263M | $269M | 1.75% | 20.47% | 5.52% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $6.1M | $11.8M | -$5.7M | -48.4% |
| Federal funds sold | $0K | $640K | -$640K | -100.0% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $7.2M | $7.9M | -$781K | -9.8% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $279.0M | $268.6M | +$10.5M | +3.9% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $4.9M | $4.7M | +$118K | +2.5% |
| Other real estate owned | $825K | $8K | +$817K | +10212.5% |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $5.6M | $5.6M | +$68K | +1.2% |
| Total assets | $303.6M | $299.2M | +$4.3M | +1.5% |
| Liabilities | ||||
| Total deposits | $260.7M | $263.3M | -$2.6M | -1.0% |
| Federal funds purchased | $2.6M | $0K | +$2.6M | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $11.5M | $6.5M | +$5.0M | +76.9% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $3.2M | $3.2M | -$50K | -1.6% |
| Total liabilities | $277.9M | $273.0M | +$4.9M | +1.8% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $450K | $450K | $0K | 0.0% |
| Surplus | $5.7M | $5.7M | $0K | 0.0% |
| Retained earnings | $19.7M | $20.3M | -$592K | -2.9% |
| Accumulated other comprehensive income | -$216K | -$224K | +$8K | +3.6% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $25.6M | $26.2M | -$584K | -2.2% |
| Credit and capital | ||||
| Gross nonperforming assets | $6.8M | $7.0M | -$209K | -3.0% |
| Adjusted nonperforming assets | $6.8M | $7.0M | -$209K | -3.0% |
| Tangible equity plus allowance | $28.8M | $29.5M | -$656K | -2.2% |
| Texas ratio (gross) | 23.56% | 23.75% | -0.18 pts | See points |
| Texas ratio (adjusted) | 23.56% | 23.75% | -0.18 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 23.56% | 23.75% | -0.18 pts | See points |
| Tier 1 capital to risk-weighted assets | 11.22% | 11.87% | -0.66 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 11.22% | 11.87% | -0.66 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.25% | 1.25% | -0.00 pts | See points |
| Total risk-based capital to risk-weighted assets | 12.47% | 13.13% | -0.66 pts | See points |
| Tier 1 leverage (approximate) | 8.65% | 8.89% | -0.25 pts | See points |
| Construction and land loans to total capital | 102.36% | 95.72% | +6.64 pts | See points |
| Commercial real estate to total capital | 181.44% | 164.10% | +17.34 pts | See points |
| Dividend payout, year to date | 74.60% | 11.05% | +63.55 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -0.84% | -0.85% | +0.01 pts | See points |
| Liquidity | ||||
| Core deposits | $240.7M | $243.0M | -$2.4M | -1.0% |
| Non-core funding | $34.1M | $26.8M | +$7.4M | +27.5% |
| Loans to core deposits | 117.27% | 111.85% | +5.42 pts | See points |
| Loans to deposits | 108.27% | 103.24% | +5.03 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 0.00% | 0.00% | 0.00 pts | See points |
| Loans pledged, share of loans | 52.95% | 53.49% | -0.54 pts | See points |
| Volatile liabilities | $34.1M | $26.8M | +$7.4M | +27.5% |
| Earnings | ||||
| Earnings before provision, year to date | $2.7M | $1.5M | +$1.2M | +79.8% |
| Earnings before provision, single quarter | $1.2M | $1.5M | -$305K | -20.2% |
| Provision for credit losses, year to date | $440K | $200K | +$240K | +120.0% |
| Yield and cost | ||||
| Yield on loans and leases | 7.08% | 7.23% | -0.15 pts | See points |
| Yield on interest-bearing balances due from banks | 3.11% | 3.10% | +0.01 pts | See points |
| Total interest income to average assets | 6.64% | 6.76% | -0.13 pts | See points |
| Cost of interest-bearing transaction accounts | 0.53% | 0.54% | -0.01 pts | See points |
| Cost of savings and money market deposits | 0.21% | 0.20% | +0.01 pts | See points |
| Cost of time deposits | 3.63% | 3.56% | +0.07 pts | See points |
| Total interest expense to average assets | 1.53% | 1.51% | +0.02 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $315M | $276M | $293M | 1.41% | 16.62% | 5.41% |
| 2026-06-30 | $304M | $261M | $279M | 1.51% | 17.69% | 5.43% |
| 2026-03-31 | $299M | $263M | $269M | 1.75% | 20.47% | 5.52% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| KY | $256.6M | 0.21% | 81 | Continuing · -0.01 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.