$272M
+2.6%y/y
Percentile by value100th percentileby value
FDIC
LNLSGRCG
Citizens Guaranty Bank
Richmond, KentuckyFDIC Cert #20872
STATEEstablished 19726 branches
Holding company: CITIZENS GUARANTY FINL CORPRegulator: FDIC
FDIC
CERT + OFFDOMPortfolio mix & concentration
Loans
The composition, growth, and concentration of the loan book using reported Call Report categories.
As of Q1 2026
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $12.7M |
| Investor CRE | $17.3M |
| Multifamily | $2.69M |
| Construction | $28M |
| 1–4 family | $161M |
| C&I | $22.1M |
| Agriculture | $3.21M |
| Other | $24.6M |
Loan book
Reported balances and balance-sheet intensity.
$269M
+2.5%y/y
Percentile by value100th percentileby value
FDIC
LNLSNET+2.52%
−51.7%y/y
Percentile by value34th percentileby value
FDIC
LNLSNET102.0%
−1.0%y/y
Percentile by value94th percentileby value
FDIC
LNLSNET + DEP89.8%
−1.1%y/y
Percentile by value100th percentileby value
FDIC
LNLSNET + ASSET84.99%
+1.7%y/y
Percentile by value60th percentileby value
FDIC
LNRE + LNLSGRConcentration
Portfolio concentration relative to loans and risk-based capital.
164%
−6.9%y/y
Percentile by value74th percentileby value
Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC96%
−0.2%y/y
Percentile by value94th percentileby value
Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRECONS + RBC3,760points
+2.0%y/y
Peer standing16th percentile
FDIC
LNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD4.68%
+20.3%y/y
Percentile by value29th percentileby value
FDIC
LNRENROW + LNLSGR6.37%
−7.7%y/y
Percentile by value42nd percentileby value
FDIC
LNRENROT + LNLSGR8.13%
+2.3%y/y
Percentile by value43rd percentileby value
FDIC
LNCI + LNLSGR