BlastPoint's Banking Scorecard
Citizens Guaranty Bank
Micro
Specialty: Commercial
KY
FDIC cert 20872
Designations: ✓ Community bank
Richmond, KY
2498
banks in Micro tier nationally
83 in KY
View Micro leaderboard (KY) →
Citizens Guaranty Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.42% above tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.88% above tier
- - Loan-to-Deposit Ratio 29.05% above tier
- - Nonperforming Asset Ratio 1.81% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$299.8M
+5.4% YoY
+2.9% QoQ
|
+$82.3M |
$217.5M
+2.3% YoY
|
$697.6M
+5.6% YoY
|
$5.9B
+6.5% YoY
|
72% |
| Total Loans ? |
$269.5M
+4.7% YoY
+1.9% QoQ
|
+$130.3M |
$139.2M
+2.8% YoY
|
$490.0M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
Top 12% in tier |
| Total Deposits ? |
$260.2M
+3.5% YoY
+1.4% QoQ
|
+$76.6M |
$183.7M
+1.8% YoY
|
$584.3M
+5.1% YoY
|
$4.7B
+6.3% YoY
|
73% |
| Return on Assets ? |
1.38%
+26.9% YoY
+5.8% QoQ
|
+0.29% |
1.08%
+14.7% YoY
|
1.21%
+22.9% YoY
|
1.12%
+15.6% YoY
|
69% |
| Net Interest Margin ? |
5.27%
+10.8% YoY
+1.4% QoQ
|
+1.42% |
3.85%
+6.6% YoY
|
3.81%
+9.2% YoY
|
3.75%
+7.1% YoY
|
Top 6% in tier |
| Efficiency Ratio ? |
72.13%
-5.3% YoY
-2.8% QoQ
|
+4.41% |
67.73%
-4.8% YoY
|
64.38%
-7.4% YoY
|
65.09%
-5.1% YoY
|
35% |
| Delinquency Rate ? |
2.52%
+37.6% YoY
+6.0% QoQ
|
+1.88% |
0.64%
+24.4% YoY
|
0.52%
-3.4% YoY
|
0.66%
+20.3% YoY
|
Bottom 9% in tier |
| Loan-to-Deposit Ratio ? |
103.57%
+1.2% YoY
+0.5% QoQ
|
+29.05% |
74.53%
+0.5% YoY
|
81.81%
+1.4% YoY
|
78.04%
+0.7% YoY
|
Bottom 6% in tier |
| Non-Interest-Bearing Deposit Share ? |
31.65%
-5.8% YoY
-8.9% QoQ
|
+9.26% |
22.39%
-1.3% YoY
|
23.17%
-1.4% YoY
|
21.79%
-1.3% YoY
|
83% |
| Nonperforming Asset Ratio ? |
2.27%
+36.7% YoY
+5.0% QoQ
|
+1.81% |
0.45%
+25.1% YoY
|
0.32%
-14.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 5% in tier |
| Tier 1 Capital Ratio ? |
11.36%
+5.3% YoY
+1.6% QoQ
|
+2.51% |
8.85%
-3.4% YoY
|
9.91%
+1.4% YoY
|
9.75%
-1.9% YoY
|
56% |
| Non-Interest Income / Assets ? |
0.82%
-4.6% YoY
+28.8% QoQ
|
+0.26% |
0.56%
+0.3% YoY
|
0.66%
+0.7% YoY
|
0.65%
+0.6% YoY
|
Top 12% in tier |
Signature Analysis
Strengths (1)
Net Interest Margin
metric
Top 6%
in Micro
Why this stands out
Current:
5.27%
(Tier avg: 3.85%, National avg: 3.75%)
Concerns (3)
Delinquency Rate
metric
Bottom 9%
in Micro
Why this stands out
Current:
2.52%
(Tier avg: 0.64%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Bottom 6%
in Micro
Why this stands out
Current:
103.57%
(Tier avg: 74.53%, National avg: 78.04%)
Nonperforming Asset Ratio
metric
Bottom 5%
in Micro
Why this stands out
Current:
2.27%
(Tier avg: 0.45%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
94
94th pctile
Net Interest Margin
Current: 5.27% · Tier avg: 3.85%
88
88th pctile
Non-Interest Income / Assets
Current: 0.82% · Tier avg: 0.56%
88
88th pctile
Total Loans
Current: $269.5M · Tier avg: $139.2M
83
83th pctile
Non-Interest-Bearing Deposit Share
Current: 31.65% · Tier avg: 22.39%
73
73th pctile
Total Deposits
Current: $260.2M · Tier avg: $183.7M
72
72th pctile
Total Assets
Current: $299.8M · Tier avg: $217.5M
69
69th pctile
Return on Assets
Current: 1.38% · Tier avg: 1.08%
56
56th pctile
Tier 1 Capital Ratio
Current: 11.36% · Tier avg: 8.85%
35
35th pctile
Efficiency Ratio
Current: 72.13% · Tier avg: 67.73%
9
9th pctile
Delinquency Rate
Current: 2.52% · Tier avg: 0.64%
6
6th pctile
Loan-to-Deposit Ratio
Current: 103.57% · Tier avg: 74.53%
5
5th pctile
Nonperforming Asset Ratio
Current: 2.27% · Tier avg: 0.45%
Top Weaknesses
5
5th pctile
Nonperforming Asset Ratio
Current: 2.27% · Tier avg: 0.45%
6
6th pctile
Loan-to-Deposit Ratio
Current: 103.57% · Tier avg: 74.53%
9
9th pctile
Delinquency Rate
Current: 2.52% · Tier avg: 0.64%
35
35th pctile
Efficiency Ratio
Current: 72.13% · Tier avg: 67.73%
56
56th pctile
Tier 1 Capital Ratio
Current: 11.36% · Tier avg: 8.85%
69
69th pctile
Return on Assets
Current: 1.38% · Tier avg: 1.08%
72
72th pctile
Total Assets
Current: $299.8M · Tier avg: $217.5M
73
73th pctile
Total Deposits
Current: $260.2M · Tier avg: $183.7M
83
83th pctile
Non-Interest-Bearing Deposit Share
Current: 31.65% · Tier avg: 22.39%
88
88th pctile
Total Loans
Current: $269.5M · Tier avg: $139.2M
88
88th pctile
Non-Interest Income / Assets
Current: 0.82% · Tier avg: 0.56%
94
94th pctile
Net Interest Margin
Current: 5.27% · Tier avg: 3.85%