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 Citizens Guaranty Bank
Citizens Guaranty Bank
| RSSD ID 764816 | CERTIFICATE 20872 | ABA NUMBER 42101475 |
| 457 E Main St |
Quarter Ended : |
2025-12-31 |
| Richmond, Kentucky, 40475 |
Updated : |
2026-01-16 |
| www.cg.bank |
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| Institution Profile |
| Year Opened : |
1972 |
Institution Type : |
Commercial bank |
| Entity Type : |
State |
Federal Regulator : |
FDIC |
| Member Federal Reserve : |
No |
S-Corp : |
Yes |
| Fiduciary Powers : |
No |
Powers Exercised : |
No |
| Filing Type : |
051 |
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| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
6 |
Number of Employees : |
86 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 299,764 |
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Total Interest Income | 19,072 |
| Total Liabilities | 274,723 |
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Total NonInterest Income | 2,451 |
| Total Bank Equity Capital | 25,041 |
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Total Interest Expense | 4,538 |
| Total Deposits | 260,221 |
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Total NonInterest Expense | 12,252 |
| Net Loans & Leases | 269,520 |
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Net Income | 4,010 |
| Loan Loss Allowance | 3,191 |
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Net Charge Offs | 390 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 28,071 |
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Total loans | 270,685 |
| Total assets for the leverage ratio | 293,435 |
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Loans secured by real estate: | 222,854 |
| Tier 1 Leverage Ratio | 8.62 |
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Commercial and industrial loans | 21,929 |
| Tier 1 Capital Ratio | 11.36 |
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Loans to individuals - Credit Cards | 0 |
| Total Capital Ratio | 12.61 |
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Loans to individuals - Other | 25,381 |
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:· Citizens Guaranty Bank
