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Citizens Federal Savings and Loan Association

under $100M Specialty: Mortgage KY FDIC cert 27841

Designations: ✓ Community bank ✓ Mutual

Covington, KY

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 536 banks in the under $100M peer group nationwide — 1 of 15 in KY.
  • Deposits +1.6% year over year ($28.1M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 0.24%.
  • Efficiency ratio 94.28% vs a 119.40% peer average.
  • Loan-to-deposit ratio 107.89% vs a 74.21% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

536 banks in the under $100M peer group nationally 15 in KY
View under $100M leaderboard (KY) →

Citizens Federal Savings and Loan Association has 3 strengths but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Delinquency Rate 1.48% below tier average
  • + Nonperforming Asset Ratio 0.84% below tier average
  • + Efficiency Ratio 25.12% below tier average

Key Concerns

Areas that may need attention

  • - Net Interest Margin 1.46% below tier average
  • - Loan-to-Deposit Ratio 33.68% above tier average
  • - Non-Interest-Bearing Deposit Share 22.58% below tier average
  • - Non-Interest Income / Assets 1.35% below tier average
  • - ROA 0.75% below tier average
Get updates when Citizens Federal Savings and Loan Association releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Total Assets ? $41.9M
+0.2% YoY +3.1% QoQ
-$20.6M $62.4M
-0.0% YoY
$707.7M
+4.5% YoY
$6.3B
+7.7% YoY
23%
Total Loans ? $30.3M
-2.5% YoY -1.6% QoQ
-$4.6M $34.9M
-0.6% YoY
$500.8M
+5.4% YoY
$3.2B
+9.4% YoY
44%
Total Deposits ? $28.1M
+1.6% YoY +4.9% QoQ
-$23.6M $51.6M
-0.2% YoY
$593.9M
+4.1% YoY
$4.9B
+7.3% YoY
18%
Return on Assets ? 0.24%
+17.9% QoQ
-0.75% 1.00%
+3.5% YoY
1.28%
+12.5% YoY
1.30%
+12.1% YoY
18%
Net Interest Margin ? 2.45%
+17.0% YoY +2.8% QoQ
-1.46% 3.91%
+2.3% YoY
3.93%
+6.2% YoY
3.95%
+4.9% YoY
Bottom 6.5% in tier
Efficiency Ratio ? 94.28%
-5.3% YoY -4.9% QoQ
-25.12% 119.40%
+49.6% YoY
64.24%
-3.9% YoY
70.05%
+2.5% YoY
Bottom 14.6% in tier
Delinquency Rate ? 0.00%
-100.0% YoY -100.0% QoQ
-1.48% 1.48%
+31.8% YoY
0.91%
+20.0% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 107.89%
-4.1% YoY -6.1% QoQ
+33.68% 74.21%
+12.6% YoY
81.25%
+1.1% YoY
79.03%
+2.3% YoY
Bottom 5.0% in tier
Non-Interest-Bearing Deposit Share ? 0.91%
+3.2% YoY +38.2% QoQ
-22.58% 23.49%
+0.6% YoY
23.27%
-2.3% YoY
21.98%
-0.6% YoY
Bottom 6.5% in tier
Nonperforming Asset Ratio ? 0.00%
-100.0% YoY -100.0% QoQ
-0.84% 0.84%
+23.0% YoY
0.64%
+23.9% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 58.97%
+3.2% YoY +0.5% QoQ
+31.84% 27.13%
+3.0% YoY
16.76%
+11.6% YoY
17.09%
+0.8% YoY
Top 7.1% in tier
Non-Interest Income / Assets ? 0.03%
-8.5% YoY +77.8% QoQ
-1.35% 1.38%
+6.3% YoY
0.31%
+0.1% YoY
0.66%
+5.2% YoY
Bottom 8.2% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Noninterest-Bearing 0.9%
0.0pp YoY
+0.3pp QoQ
 -23.7pp 24.6% 23.5% 22.2% 2%
Brokered Deposits n/a n/a 9.8% 5.4% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
C&I n/a n/a 13.4% 8.6% 12.5% n/a
CRE n/a n/a 25.2% 37.1% 41.4% n/a
1-4 Family 94.7%
+0.9pp YoY
+0.6pp QoQ
 +59.7pp 35.0% 41.6% 31.3% 98%
Consumer 0.2%
0.0pp YoY
-0.6pp QoQ
 -7.5pp 7.7% 4.8% 5.0% 3%

Capital

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
CET1 Ratio 59.0%
+1.8pp YoY
+0.3pp QoQ
 +20.3pp 38.7% 20.2% 19.7% 88%
Leverage Ratio 28.0%
+0.6pp YoY
0.0pp QoQ
 +10.4pp 17.7% 14.0% 12.6% 92%
Total Capital Ratio 60.2%
+1.8pp YoY
+0.3pp QoQ
 +20.6pp 39.7% 21.3% 20.8% 88%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Full-Time Employees 4
-1 (-20.0%) YoY
0 QoQ
 -8 12 105 482 2%
Assets per Employee ($) $10.5M
+25.3% YoY
+3.1% QoQ
 +$4.3M $6.2M $6.3M $8.8M 96%
Branch Count 1
0 YoY
0 QoQ
 -1 1 8 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 1.0% 0.3% 0.4% n/a
Nonaccrual n/a n/a 1.7% 0.8% 1.0% n/a
Allowance Coverage n/a n/a 6.41x 7.45x 20.23x n/a
Net Charge-off Rate (YTD) n/a n/a 0.2% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
ROE 0.9%
+0.9pp YoY
+0.1pp QoQ
 -5.5pp 6.4% 13.3% 11.6% 15%
Cost of Funds (YTD) 2.3%
-0.3pp YoY
0.0pp QoQ
 +0.9pp 1.4% 1.7% 1.7% 89%
Net Income ($, YTD) $50,000
+2600.0% YoY
— QoQ
 -$268K $317,817 $5.1M $40.4M 18%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 536 peers in under $100M

Top Strengths (3 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 1.48%
#1 of 517 Top 0.1% in under $100M
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.84%
#1 of 536 Top 0.1% in under $100M
39
Tier 1 Capital Ratio
capital
Value: 58.97%
Peer Median: 27.13%
#39 of 536 Top 7.1% in under $100M

Top Weaknesses (8 metrics)

510
Loan-to-Deposit Ratio
liquidity
Value: 107.89%
Peer Median: 74.21%
#510 of 536 Bottom 5.0% in under $100M
502
Non-Interest-Bearing Deposit Share
funding
Value: 0.91%
Peer Median: 23.49%
#502 of 536 Bottom 6.5% in under $100M
502
Net Interest Margin
profitability
Value: 2.45%
Peer Median: 3.91%
#502 of 536 Bottom 6.5% in under $100M
493
Non-Interest Income / Assets
revenue_mix
Value: 0.03%
Peer Median: 1.38%
#493 of 536 Bottom 8.2% in under $100M
459
Efficiency Ratio
profitability
Value: 94.28%
Peer Median: 119.40%
#459 of 536 Bottom 14.6% in under $100M
442
Total Deposits
size
Value: $28.06M
Peer Median: $51.62M
#442 of 536 Bottom 17.7% in under $100M
441
Return on Assets
profitability
Value: 0.24%
Peer Median: 1.00%
#441 of 536 Bottom 17.9% in under $100M
416
Total Assets
size
Value: $41.86M
Peer Median: $62.44M
#416 of 536 Bottom 22.6% in under $100M
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