Bank · FDIC insured
CG Bank
A $303.6M bank headquartered in Richmond, KY, with 6 branches in Kentucky.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: rates are not published online. Auto loans: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all). Credit cards: no rates found on its website.
- Savings660.03%1.00% with extra requirementsSavings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About CG Bank
Founded in 1972 in Irvine, Kentucky, CG Bank is a locally owned and operated bank.
The bank operates 6 locations across communities including Irvine, Richmond, Berea, and Powell County, focusing on supporting local communities where its team lives and works.
- Headquarters
- 457 E Main St, Richmond, KY 40475
- FDIC certificate
- 20872 ↗
Branches
6 branches in Kentucky
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Kentucky
6 branches
Richmond area · 5
- Citizens Guaranty BankMain office457 E Main St, Richmond, KY 40475Directions
- Berea Branch214 Richmond Rd N, Berea, KY 40403Directions
- Irvine Branch25 River Dr, Irvine, KY 40336Directions
- West Irvine Branch1282 Richmond Rd, Irvine, KY 40336Directions
- Merchant Drive Branch2066 Merchant Dr, Richmond, KY 40475Directions
Stanton area · 1
- Stanton Branch488 S Main St, Stanton, KY 40380Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 8.65% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 2.12% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.51% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $108 | $81 | — |
- CapitalLeverage ratio8.65%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent2.12%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.51%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$108Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of CG Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.