Compared with Kentucky
10 of 16
compared fees are above the median.
2 below, 4 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
94th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Kentucky median
of 16 compared; 2 below, 4 about the same
See the feesFee schedule read Oct 11, 2026
Call-report figures are for Citizens Guaranty Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 1,412 banks with $300M to $1B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Kentucky median | Published fees above the Kentucky median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Citizens Guaranty Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 11, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 6.2% of revenue, above the 2.1% median of 1,412 banks with $300M to $1B in assets (94th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $276K in Q2 2026, 10% above the same quarter a year earlier ($250K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
10 of 16 compared published fees sit above the Kentucky median; 2 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Kentucky medians for fees published by banks and credit unions.
Non-Network ATM
Monthly Maintenance
Citizens Checking $5 · Citizens Clean Slate Checking $10
Compared at $7.50, the middle of its prices
Overdraft (OD)
Each amount links to the fee schedule it was read from. Medians for Kentucky, the Cleveland district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income rose 5.7% from Q3 2025 to Q2 2026, to $276K. Its share of revenue, 6.2%, is above the 2.1% median for banks with $300M to $1B in assets.
$276K
Citizens Guaranty BankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 1,412 banks with $300M to $1B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Monthly maintenance: Listed at $5 to $10; we compare the midpoint.
Citizens Guaranty Bank · $304M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 17 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Citizens Guaranty Bank(this institution) | Richmond, KY | $304M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bank of Crockett | Bells, TN | $299M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Bank of Franklin | Meadville, MS | $302M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Bank of Montana | Missoula, MT | $309M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Caldwell Bank & Trust Company | Columbia, LA | $299M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Collins State Bank | Collins, WI | $301M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Community Bank | Winslow, IL | $311M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Community Bank and Trust Company | Muscatine, IA | $303M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Dearborn Federal Savings Bank | Dearborn, MI | $307M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| DLP Bank | Starke, FL | $301M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First National Bank Of Commerce | Walnut Ridge, AR | $297M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First National Bank of South Carolina | Holly Hill, SC | $310M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Secure State Bank | Wonder Lake, IL | $306M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Grant County Bank | Ulysses, KS | $298M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Horatio State Bank | Horatio, AR | $312M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Leighton State Bank | Pella, IA | $298M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| PrinsBank | Prinsburg, MN | $308M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| RNB STATE BANK | Rawlins, WY | $296M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| SJN Bank of Kansas | Saint John, KS | $303M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| St. Johns Bank and Trust Company | Saint Louis, MO | $297M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| State Bank | Waterloo, IL | $296M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Bank of Forest | Forest, MS | $296M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| The Farmers Bank of Milton | Milton, KY | $305M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| United Bank | Springdale, AR | $296M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Washington Savings Bank | Lowell, MA | $302M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Washington State Bank | Washington, LA | $309M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 13 publish this fee(monthly maintenance)
12 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $7.50, the middle of its two prices, against a peer median of $6.75 among 13 publishing peers.
Its two checking prices are $5 and $10.
$7.50 is a comparison price, not a fee anyone is charged.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.
Call reports for Citizens Guaranty Bank (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $276K | +$12K | +4.5% |
| Q1 2026 | $264K | $0 | 0.0% |
| Q4 2025 | $264K | +$3K | +1.1% |
| Q3 2025 | $261K | +$11K | +4.4% |
| Q2 2025 | $250K | +$6K | +2.5% |
| Q1 2025 | $244K | −$27K | −10.0% |
| Q4 2024 | $271K | −$2K | −0.7% |
| Q3 2024 | $273K | +$22K | +8.8% |
Financial cohort: 1,433 banks with $300M to $1B in assets filing for Q2 2026; 1,412 reported a share above 0% and are counted, Citizens Guaranty Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Citizens Guaranty Bank by share.
Amounts from Citizens Guaranty Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per transaction
one time
per transaction
per month
per month
per hour
per month
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly service charge | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly service charge | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Christmas Club Early Closing/Withdrawal | $10Inside the U.S. middle 50% ($10 to $25 nationally) | per transaction | None |
| Early closeout fee | $35Above the U.S. middle 50% ($10 to $25 nationally) | one time | None |
| Early closeout fee within 180 days of opening | $35Above the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Early Closing Fee for Checking or Savings (excluding KASASA Accounts) | $35Above the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Vacation Club Early Closing/Withdrawal | $10Inside the U.S. middle 50% ($10 to $25 nationally) | per transaction | None |
| Dormant Checking | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Dormant Savings | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Statement Recon/Research Fee (1 hour minimum) | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Statement (undeliverable mail – per month) | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
Overdraft & NSF | |||
| NSF Paid Item Fee or AOD Paid Item Fee (per item) | $35Above the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| NSF Returned Item Fee or AOD Returned Item Fee (per item) | $35Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| ATM Inquiry/Transaction Fee | $1Inside the U.S. middle 50% ($1 to $2 nationally) | per transaction | None |
| Debit Card Replacement Fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Wire Transfers | |||
| Outgoing Domestic Wire Fee | $25Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Incoming Domestic Wire Fee | $15Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
| Outgoing International Wire Fee | $75Above the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Miscellaneous Fees and Charges Effective July 16, 2024 Cashier’s Check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop Payment Request | $34Above the U.S. middle 50% ($20 to $30 nationally) | per item | None |
Cash & Deposit | |||
| Chargeback Check Fee (Returned Deposit Item) | $7Below the U.S. middle 50% ($8.88 to $25 nationally) | per item | None |
Account Services | |||
| Garnishment/Levy Fee | $100Above the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Other Fees | |||
| Statement Copy (including duplicate statements) | $6Above the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Oct 11, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where Citizens Guaranty Bank operates, and what regulators and customers have on file.
Branch footprint
6 offices in 1 state, $260.7M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 6 | $260.7M |
Largest competitors nearby
Local market: Estill, Madison and Powell counties, KY, where it holds the most deposits.
| 18 in its local market | Deposit share |
|---|---|
| Whitaker Bank | 20.4% |
| JPMorgan Chase Bank, National Association | 9% |
| Stock Yards Bank & Trust Company | 8.5% |
| Cumberland Valley National Bank & Trust Company | 8.2% |
| Community Trust Bank, Inc. | 8.1% |
This bank holds 11.1% of the deposits there.
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
Enforcement actions
None on file with the Federal Reserve
The Federal Reserve has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
We check once a day and send one email covering every change.