Citizens Guaranty Bank (FDIC #20872): Bank Stress & Real-Estate Credit Exposure
Citizens Guaranty Bank (FDIC Cert #20872): bank stress 66/100, elevated, STABLE over 7 days; parent CITIZENS GUARANTY FINL CORP.
Citizens Guaranty Bank (#20872) lends in 3 counties across 1 state; Citizens Guaranty Bank (#20872) reaches 12 ZIP codes: Kentucky 3 counties, 12 ZIPs.
Citizens Guaranty Bank (#20872) largest markets: Estill County, KY (10 branches, 5 ZIPs) (#20872), Madison County, KY (15 branches, 5 ZIPs) (#20872), Powell County, KY (4 branches, 4 ZIPs) (#20872).
Citizens Guaranty Bank (#20872) reports $303.6 million in total assets; Citizens Guaranty Bank (#20872) equity $25.6 million (8.4% of Citizens Guaranty Bank (#20872) assets); Citizens Guaranty Bank (#20872) domestic deposits $260.7 million; Citizens Guaranty Bank (#20872) net income $2.3 million; Citizens Guaranty Bank (#20872) return on assets 1.51%; Citizens Guaranty Bank (#20872) return on equity 17.69%; Citizens Guaranty Bank (#20872) net interest income $7.7 million; Citizens Guaranty Bank (#20872) call report June 30, 2026.
Citizens Guaranty Bank (#20872) noncurrent real-estate loans 0.24% of its book; Citizens Guaranty Bank (#20872) net charge-offs on real estate 2.02%; Citizens Guaranty Bank (#20872) residential charge-offs 1.91%.
Citizens Guaranty Bank (#20872) net interest margin 5.43% against an eight-quarter Citizens Guaranty Bank (#20872) average of 5.12% (Citizens Guaranty Bank (#20872) compression -0.32 points); Citizens Guaranty Bank (#20872) real-estate loans 23.7% of equity; Citizens Guaranty Bank (#20872) non-residential real estate 191.3% of equity; Citizens Guaranty Bank (#20872) rate-exposure score 40/100, Citizens Guaranty Bank (#20872) fixed-rate trap 40/100; Citizens Guaranty Bank (#20872) risk type credit driven; Citizens Guaranty Bank (#20872) rate regime rates elevated, Citizens Guaranty Bank (#20872) snapshot October 19, 2026.
Citizens Guaranty Bank (#20872) stress score moved from 58.6 on June 22, 2026 to 65.9 on October 19, 2026; Citizens Guaranty Bank (#20872) ranged 58.6 to 65.9 over 116 snapshots.
Citizens Guaranty Bank (#20872) alerts: 3 counties; top Citizens Guaranty Bank (#20872) alert scores: Irvine County, KY 23 (low); Richmond County, KY 23 (low); Stanton County, KY 23 (low).