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Citizens Guaranty Bank

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Citizens Guaranty Bank Rates & Review August 2026

Q: How many branches does Citizens Guaranty Bank operate?

Citizens Guaranty Bank currently maintains approximately 6 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Citizens Guaranty Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Citizens Guaranty Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: August 30, 2026

Citizens Guaranty Bank rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month CD rates are currently at 2.92%, 6-month CD rates at 2.77% and 3-month CD rates at 2.55%. Savings rates are at 0.84% and money market rates are at 1.17%. Mortgage rates on 30-year fixed loans are around 6.69%. These rates come from our rate database, not Citizens Guaranty Bank, and you can see how they compare in the Citizens Guaranty Bank rate tables below. MonitorBankRates evaluates the financial stability of Citizens Guaranty Bank with a 5.0 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 15.03%. Database rates last updated and verified on 08/30/2026.

Citizens Guaranty Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Citizens Guaranty Bank? Share your experience about Citizens Guaranty Bank by leaving a review below, or read customer reviews before you decide to use Citizens Guaranty Bank.

Overall Health & Safety Grade

A-

Very Good Health Score: 92/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

15.03%

Good Higher than avg

Citizens Guaranty Bank

457 E Main St
Richmond, KY 40475

https://www.mycgb.com

Current Rate Availability

We're not currently displaying rates for Citizens Guaranty Bank, but our database is updated constantly — check back soon for the latest offers.

Are you with Citizens Guaranty Bank? We'd love to add your institution's rates. Contact us to get your institution's rates listed on MonitorBankRates.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Citizens Guaranty Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Citizens Guaranty Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Citizens Guaranty Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Citizens Guaranty Bank

Bank Holding Company CITIZENS GUARANTY FINL CORP

Address 457 E Main St, Richmond, KY 40475 · Madison

Website https://www.mycgb.com

FDIC Certificate # 20872

Established 11/29/1972

FDIC Insurance Date 11/29/1972

Domestic Offices 6

Total Branches 6

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A-

Overall Health Grade Score: 92/100

5.0

Exceptional Out of 5.0 Stars

15.03%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.7385%

Return on Equity (ROE) 11.4500%

Non-Performing Loans (NPL) 0.92%

Total Assets $299,764,000

Total Deposits $260,221,000

Equity Capital $25,041,000

Net Income $4,010,000

Headquarters Richmond

Total Branches and Offices 6

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

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Average Rating

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Total Reviews

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Frequently Asked Questions About Citizens Guaranty Bank

How many branches does Citizens Guaranty Bank operate?

Citizens Guaranty Bank currently maintains approximately 6 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Citizens Guaranty Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Citizens Guaranty Bank provides members with tools to manage their accounts and build a solid financial history.

Does Citizens Guaranty Bank offer online and mobile banking?

Most modern institutions like Citizens Guaranty Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.mycgb.com.