Citizens Guaranty Bank is a bank based in Richmond, Kentucky, established in 1972, with $299 million in total assets across 6 branches. By Trust Grade it ranks 68th of 120 banks we track in Kentucky. Its capital ratio of 8.8% trails most similarly sized banks (25th percentile), versus a Kentucky median of 9.6%. It was profitable over the most recent period, with a 1.75% return on assets. No consumer complaints against Citizens Guaranty Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Citizens Guaranty Bank compares to Kentucky peers
How we graded Citizens Guaranty Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (8.8% capital ratio)
- Strongly profitable (ROA 1.75%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Citizens Guaranty Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (6)
- 457 E Main St, Richmond, KY 40475
- 1282 Richmond Rd, Irvine, KY 40336
- 25 River Dr, Irvine, KY 40336
- 2066 Merchant Dr, Richmond, KY 40475
- 214 Richmond Rd N, Berea, KY 40403
- 488 S Main St, Stanton, KY 40380
Are deposits at Citizens Guaranty Bank insured?
Yes. Citizens Guaranty Bank is an FDIC-insured bank (FDIC certificate #20872). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Citizens Guaranty Bank: frequently asked questions
Is Citizens Guaranty Bank a good bank?
Citizens Guaranty Bank earns a Bankzia Trust Grade of A (93/100, "Excellent"), based on a financial-strength score of 93/100 (it has no CFPB complaints on record). Well-capitalized (8.8% capital ratio); Strongly profitable (ROA 1.75%).
Is Citizens Guaranty Bank FDIC-insured?
Yes. Citizens Guaranty Bank is a FDIC-insured bank (FDIC certificate #20872). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Citizens Guaranty Bank?
Citizens Guaranty Bank holds $299 million in total assets, ranking 68th of 120 banks we track in Kentucky. It operates 6 branches.
Does Citizens Guaranty Bank have CFPB complaints?
No CFPB complaints against Citizens Guaranty Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
