# CITIZENS GUARANTY BANK
RICHMOND, KY · FDIC certificate 20872 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 5 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $303.6M | |
| Deposits | $260.7M | |
| Loans and leases | $282.2M | |
| Total equity | $25.6M | |
| Loans / deposits | 107.05% (p95 of band) | 82.04% |
| Liquid assets / assets | 4.36% (p0 of band) | |
| Uninsured deposits / deposits | 14.07% (p11 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 4.65% (p56 of band) | |
| FHLB advances / assets | 3.79% | |
| Tier 1 leverage | 8.65% (p8 of band) | 10.81% |
| Unrealized securities loss / equity | -0.84% (p87 of band) | -8.10% |
| AOCI / equity | 0.10% (p84 of band) | |
| ROA (annualized) | 1.51% (p65 of band) | 1.28% |
| Net interest margin | 5.43% (p97 of band) | 3.91% |
| Efficiency ratio | 70.06% (p73 of band) | |
| Noncurrent loans | 2.11% (p89 of band) | 0.43% |
| Net charge-offs (annualized) | 0.29% (p94 of band) | |
| Reserve coverage of noncurrent | 53.41% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 114.75% (p91 of band) | |
| Auto loans | $14.8M (5.26% of loans; DQ 8.78%, NCO 0.10%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 1.6% | |
| Employees | 84 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **liquid assets <10%** (`liq_thin`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2012-06 | 3 |  |  |
| 2012-09 | 3 | reserve under noncurrent | assets shrinking |
| 2012-12 | 3 | assets shrinking | uninsured deposits leaving |
| 2013-03 | 0 |  | deposits shrinking, reserve under noncurrent, assets shrinking |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | reserve under noncurrent |  |
| 2013-12 | 1 | capital falling | reserve under noncurrent |
| 2014-03 | 0 |  | capital falling |
| 2014-06 | 1 | loans exceed deposits |  |
| 2014-09 | 2 | reserve under noncurrent |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 2 | capital falling | loans exceed deposits |
| 2015-09 | 2 |  |  |
| 2015-12 | 1 |  | capital falling |
| 2016-03 | 1 |  |  |
| 2016-06 | 3 | loans exceed deposits, capital falling |  |
| 2016-09 | 2 |  | loans exceed deposits |
| 2016-12 | 1 |  | capital falling |
| 2017-03 | 2 | expense ratio p90 |  |
| 2017-06 | 1 |  | expense ratio p90 |
| 2017-09 | 2 | loans exceed deposits |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 1 |  | loans exceed deposits |
| 2018-06 | 2 | capital falling |  |
| 2018-09 | 2 | loans exceed deposits | capital falling |
| 2018-12 | 3 | liquid assets <10% |  |
| 2019-03 | 1 |  | loans exceed deposits, liquid assets <10% |
| 2019-06 | 4 | leverage <7%, capital falling, construction >100% equity |  |
| 2019-09 | 4 |  |  |
| 2019-12 | 2 |  | reserve under noncurrent, capital falling |
| 2020-03 | 1 |  | construction >100% equity |
| 2020-06 | 2 | capital falling |  |
| 2020-09 | 2 | reserve under noncurrent | capital falling |
| 2020-12 | 2 | construction >100% equity | reserve under noncurrent |
| 2021-03 | 2 |  |  |
| 2021-06 | 3 | capital falling |  |
| 2021-09 | 2 |  | capital falling |
| 2021-12 | 4 | loans exceed deposits, liquid assets <10% |  |
| 2022-03 | 4 |  |  |
| 2022-06 | 5 | charge-offs p90 |  |
| 2022-09 | 3 |  | liquid assets <10%, charge-offs p90 |
| 2022-12 | 6 | liquid assets <10%, capital falling, charge-offs p90 |  |
| 2023-03 | 2 |  | loans exceed deposits, liquid assets <10%, capital falling, charge-offs p90 |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 | liquid assets <10% | leverage <7% |
| 2023-12 | 4 | loans exceed deposits, charge-offs p90 |  |
| 2024-03 | 3 | noncurrent p90, reserve under noncurrent | liquid assets <10%, loans exceed deposits, charge-offs p90 |
| 2024-06 | 3 | liquid assets <10% | noncurrent p90 |
| 2024-09 | 4 | charge-offs p90 |  |
| 2024-12 | 5 | loans exceed deposits |  |
| 2025-03 | 4 |  | charge-offs p90 |
| 2025-06 | 4 |  |  |
| 2025-09 | 4 |  |  |
| 2025-12 | 5 | noncurrent p90 |  |
| 2026-03 | 5 | charge-offs p90 | noncurrent p90 |
| 2026-06 | 5 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2022-08-26 [EKU, CG Bank Announce Naming Rights Partnership For Field At Roy Kidd Stadium - Eastern Kentucky University Athletics](https://news.google.com/rss/articles/CBMivwFBVV95cUxNOWF6Nk1QMG5kOXlMX19ZdDNEVHJDbWp1UU1DZVI5Tk80XzF5bHFUWVhTRmR6VFJUeTlLRGI1WGlLdE1ZYXQ1SXZ3SVppNVBueWtDajBHdGdmeWxtOTVlM25JNHotRXBkVW5zNEV5VHI2VkNLbnN0VXNiaDFXS01OMm0wUlVmS0hlV2VPZmpwODFzZkdkWXlrU0VpU192MllPU2VNajZRZ1ozZkNQcDhmbUFvc3RzOGNVV3ZXTEdoYw?oc=5) · Eastern Kentucky University Athletics
- 2021-10-27 [Central Kentucky financial institutions help customers navigate pandemic - The Lane Report](https://news.google.com/rss/articles/CBMitgFBVV95cUxPbGpDQ000ZkN3eU1ic0Z5dWxCcmVXeGFxbG9VMGVoSVhKVFBnZjhrdzdwd1JyeWtrOEg1VVVHNUZLMW1GSEw1VmtzaE5CUjkxLWRNRlpZSnkzNUFFMlJadDFUSVQ2akxfZDZpN09mUWVESEdJUUxLR0dnN0dWRWxuNjRsTE1vT2VsMVJCajlacnlmQ3o1RVppWTJuREVzazRUcVlrdUxSeUlPYlJVZWdPTjZ6bENQdw?oc=5) · The Lane Report
- 2026-02-18 [Missing Madison Co. teen located safe - WKYT](https://news.google.com/rss/articles/CBMiggFBVV95cUxPVm1HTnhFYVNrXy0tejdiWklwSl9obmh4RDBEWnpDaFA2QlJqQm9ONU1Ib1RPOVdJOEw1SU5KbnZISXB0SENPSjFxcXRVc2lVQkRRTGh6Q2dvc0FtcWg5a25YLWF0bTF3WmNHa0pUeWJJbGh3Q2p0Sm5pS0tnU2hvbjN3?oc=5) · WKYT
- 2024-07-02 [John Madon Obituary (2024) - Middlesboro, KY - Green Hills Funeral Home - Middlesboro - legacy.com](https://news.google.com/rss/articles/CBMifkFVX3lxTE1EbDZpQzYtaEJJSWRmSHlHRUE5YV9ldHM5Rjk5eFVQc3NkWm1xNk9wbXZSYzlTRDl1UTdJQkNvaXo0TFpPaV95UWRHZTdWZmpfd3JWQ0xQcGdQcGI2c19KOWYyN0RUVnlTNUdpdURRVE5jd003ejkxVFg2WGR6Zw?oc=5) · legacy.com
- 2009-12-12 [Winchester Post Office Ready for Busiest Mailing Day - USPS](https://news.google.com/rss/articles/CBMid0FVX3lxTE0xOFh6X0ZIQ2ljcjIySTJsUG1xUjJMZWdNVnpvdUlQRlBDV21zTFp2TEJoSWNJTkw4Y2kxSnM0WV9GNzJzNjZrNTJ4MlFyNElyRTVHdWNBNjN1MzBPWUhNbnU0OVhDdmFka1BzdWd3aE5udHF0eGww?oc=5) · USPS
- 2019-10-11 [CKY Market Review: ‘A good year for Kentucky banks’ - The Lane Report](https://news.google.com/rss/articles/CBMilgFBVV95cUxQbUJiMUdDSVJzeHZ2YzRSZXAxay15YU1icFRwN2ROdDZ6NWV3MlRpSVViY0Q0b0pOQ3NDMFYtTGtJVEsxZDJpY1Q5SnB5aGxLbTJ6VmllUnFxaUlOQnZpSTVXLXMwWmxEV3lNM0tHN29lbEkxbnJfYU1VSDZReTlmVzZZMnhlUloxRkV0V3FPRlhGRjZ6MGc?oc=5) · The Lane Report
- 2025-08-01 [Donnie Ray Arvin Obituary | Toler Funeral Home | Irvine, KY - Tribute Archive](https://news.google.com/rss/articles/CBMidkFVX3lxTE9GS1QydGMtMHpwdC0waVJoVzl0cldpLVhCd3B1VzhoSkY4MlpzNHZtV2pmclc4LTQ2aVFuTHlSS2NKUElZYklFVWRVVmhXeGYwRHRJcU05V0daRFo0Y2RER1p0ZUxuX21uOUxnR2FnY2FDSS1iU0E?oc=5) · Tribute Archive
- 2016-01-19 [Irvine family raising money for wheelchair accessible van for young son with cerebral palsy - WKYT](https://news.google.com/rss/articles/CBMi1wFBVV95cUxPZC12REZ0MzJRNEtxaTB4S0V0ZlBDQW1rT01qNWkxNnVqTHpSSE5fSmpiM1NCc2VPWWZXSGRPRGtBTDE1b3cwRW9MeURzS1BScnBoUGNvTk40NDZpTWlia1N0VTZadm5ieGlwRmxYeTZxR3R2dUJ6bEllSWp4MlRhU04xNk8zRlJ6M2xIZTFldklxMUU4bzVxdm5MMEVTeFhFMEVVSXRBNmtXYV9iamRib1JWdW1hWmtmUjFuaE1tU1BPdjM4Ry0yQVdMNHlBUE9UdE5lWHhzQQ?oc=5) · WKYT

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=20872 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/8.json (key "20872", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide