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Citizens Guaranty Bank
✓ FDIC-insured · Active FDIC Certificate #20872
Citizens Guaranty Bank is an FDIC-insured state-chartered bank that is not a Federal Reserve member (supervised by the FDIC), headquartered in Richmond, Kentucky, established in 1972. As of the 06/30/2026 FDIC call report, it reported $304M in total assets and $261M in deposits. FDIC location data lists 6 offices in Kentucky. The FDIC classifies it as a community bank. It is owned by the holding company CITIZENS GUARANTY FINL CORP (Irvine, KY).
Financial data as of the 06/30/2026 FDIC call report.
Where it operates
All 6 of Citizens Guaranty Bank's FDIC-listed offices are in Kentucky. Browse banks in Richmond for other local options.
Branch locations
| Citizens Guaranty Bank Citizens Guaranty Bank · Full Service - Brick And Mortar | 457 E Main St Richmond, KY 40475 Map ↗ |
| Citizens Guaranty Bank West Irvine Branch · Full Service - Brick And Mortar | 1282 Richmond Rd Irvine, KY 40336 Map ↗ |
| Citizens Guaranty Bank Irvine Branch · Full Service - Brick And Mortar | 25 River Dr Irvine, KY 40336 Map ↗ |
| Citizens Guaranty Bank Merchant Drive Branch · Full Service - Brick And Mortar | 2066 Merchant Dr Richmond, KY 40475 Map ↗ |
| Citizens Guaranty Bank Berea Branch · Full Service - Brick And Mortar | 214 Richmond Rd N Berea, KY 40403 Map ↗ |
| Citizens Guaranty Bank Stanton Branch · Full Service - Brick And Mortar | 488 S Main St Stanton, KY 40380 Map ↗ |
Holding company: CITIZENS GUARANTY FINL CORP
The FDIC lists CITIZENS GUARANTY FINL CORP, based in Irvine, KY, as the top holding company for Citizens Guaranty Bank. The FDIC shows no other active insured banks under the same holding company.
Similar-size banks in Kentucky
Active FDIC-insured banks headquartered in Kentucky with total assets closest to Citizens Guaranty Bank's $304M. See all banks in Kentucky.
Citizens Guaranty Bank: common questions
Is Citizens Guaranty Bank FDIC-insured?
Yes. Citizens Guaranty Bank is an active FDIC-insured institution, FDIC Certificate #20872. Deposits are insured up to $250,000 per depositor, per ownership category. You can confirm this on FDIC BankFind.
Where is Citizens Guaranty Bank headquartered?
Citizens Guaranty Bank is headquartered at 457 E Main St, Richmond, KY 40475, according to FDIC records.
How many branches does Citizens Guaranty Bank have?
FDIC location data lists 6 offices for Citizens Guaranty Bank, all in Kentucky.
Who owns Citizens Guaranty Bank?
The FDIC lists CITIZENS GUARANTY FINL CORP of Irvine, KY as the top holding company for Citizens Guaranty Bank.
Source: FDIC BankFind Suite (institution, location, and call report data). BankNearMe.com does not rank or rate banks.