BlastPoint

BlastPoint's Banking Scorecard

Citizens Federal Savings and Loan Association

$100M-$1B Specialty: Mortgage OH FDIC cert 28060

Designations: ✓ Mutual

Bellefontaine, OH

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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 96 in OH.
  • Deposits -0.5% year over year ($161.3M on the books).
  • Delinquency rate 0.03%.
  • Return on assets 0.45%.
  • Efficiency ratio 81.33% vs a 64.48% peer average.
  • Loan-to-deposit ratio 91.09% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 96 in OH
View $100M-$1B leaderboard (OH) →

Citizens Federal Savings and Loan Association has 1 strength but faces 6 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 0.89% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 14.5% in tier
  • - Liquidity Overhang: Bottom 23.0% in tier
  • - Efficiency Drag: Bottom 32.7% in tier
  • - Net Interest Margin 1.36% below tier average
  • - Non-Interest-Bearing Deposit Share 19.63% below tier average
  • - ROA 0.87% 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 (OH) National Avg Tier Percentile
Total Assets ? $186.1M
+2.0% YoY -0.2% QoQ
-$200.4M $386.6M
+1.2% YoY
$36.7B
+9.4% YoY
$6.3B
+7.7% YoY
23%
Total Loans ? $146.9M
+3.5% YoY +0.9% QoQ
-$111.4M $258.3M
+1.7% YoY
$16.2B
+12.1% YoY
$3.2B
+9.4% YoY
34%
Total Deposits ? $161.3M
-0.5% YoY -2.4% QoQ
-$165.4M $326.7M
+0.7% YoY
$26.4B
+7.6% YoY
$4.9B
+7.3% YoY
24%
Return on Assets ? 0.45%
+37.0% YoY +29.0% QoQ
-0.87% 1.32%
+10.8% YoY
1.21%
+9.4% YoY
1.30%
+12.1% YoY
Bottom 11.2% in tier
Net Interest Margin ? 2.63%
+16.9% YoY +1.6% QoQ
-1.36% 3.99%
+5.0% YoY
3.65%
+6.4% YoY
3.95%
+4.9% YoY
Bottom 3.9% in tier
Efficiency Ratio ? 81.33%
-4.0% YoY -4.8% QoQ
+16.85% 64.48%
-3.2% YoY
70.70%
-3.8% YoY
70.05%
+2.5% YoY
Bottom 12.3% in tier
Delinquency Rate ? 0.03%
-74.7% YoY -58.1% QoQ
-0.89% 0.92%
+15.7% YoY
0.68%
+23.3% YoY
0.98%
+16.3% YoY
82%
Loan-to-Deposit Ratio ? 91.09%
+4.0% YoY +3.4% QoQ
+13.13% 77.95%
+1.0% YoY
79.88%
+0.7% YoY
79.03%
+2.3% YoY
24%
Non-Interest-Bearing Deposit Share ? 2.40%
-15.6% YoY -8.1% QoQ
-19.63% 22.03%
-0.6% YoY
18.59%
+0.9% YoY
21.98%
-0.6% YoY
Bottom 1.9% in tier
Nonperforming Asset Ratio ? 0.03%
-74.3% YoY -57.7% QoQ
-0.64% 0.67%
+16.4% YoY
0.46%
+23.9% YoY
0.69%
+15.8% YoY
83%
Tier 1 Capital Ratio ? 20.15%
+0.1% YoY +0.3% QoQ
+4.24% 15.91%
+1.4% YoY
18.68%
-0.2% YoY
17.09%
+0.8% YoY
Top 13.2% in tier
Non-Interest Income / Assets ? 0.11%
-3.9% YoY +205.4% QoQ
-0.46% 0.57%
+7.6% YoY
1.22%
+2.7% YoY
0.66%
+5.2% YoY
20%

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 (OH) National Avg Tier Percentile
Noninterest-Bearing 2.4%
-0.4pp YoY
-0.2pp QoQ
 -19.7pp 22.1% 18.8% 22.2% 1%
Brokered Deposits 1.2%
-0.2pp YoY
0.0pp QoQ
 -6.6pp 7.9% 7.7% 8.5% 22%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
C&I n/a n/a 11.6% 10.2% 12.5% n/a
CRE 16.9%
+1.3pp YoY
-1.4pp QoQ
 -22.7pp 39.5% 34.2% 41.4% 13%
1-4 Family 82.7%
-1.1pp YoY
+1.4pp QoQ
 +50.1pp 32.6% 50.0% 31.3% 97%
Consumer n/a n/a 4.1% 4.7% 5.0% n/a

Capital

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
CET1 Ratio 20.1%
0.0pp YoY
+0.1pp QoQ
 +1.3pp 18.8% 22.1% 19.7% 78%
Leverage Ratio 10.9%
+0.3pp YoY
+0.1pp QoQ
 -1.3pp 12.2% 12.9% 12.6% 48%
Total Capital Ratio 20.4%
0.0pp YoY
+0.1pp QoQ
 +0.5pp 19.9% 23.2% 20.8% 75%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Full-Time Employees 25
+1 (+4.2%) YoY
-1 (-3.8%) QoQ
 -34 58 2,433 482 19%
Assets per Employee ($) $7.4M
-2.1% YoY
+3.7% QoQ
 -$73K $7.5M $7.6M $8.8M 60%
Branch Count 1
0 YoY
0 QoQ
 -4 4 81 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Past Due 90+ Days 0.0%
-0.1pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.2% 0.4% 32%
Nonaccrual n/a n/a 0.9% 0.6% 1.0% n/a
Allowance Coverage 6.12x
+281.6% YoY
+136.7% QoQ
 -18.03x 24.15x 18.95x 20.23x 74%
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
ROE 4.4%
+1.0pp YoY
+1.0pp QoQ
 -7.8pp 12.2% 9.7% 11.6% 12%
Cost of Funds (YTD) 1.9%
-0.1pp YoY
0.0pp QoQ
 +0.2pp 1.7% 1.7% 1.7% 66%
Net Income ($, YTD) $421,000
+38.5% YoY
— QoQ
 -$2.1M $2.6M $259.3M $40.4M 9%

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 (3)

Liquidity Strain

risk
#101 of 691 • Bottom 14.5% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 91.09%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ

Liquidity Overhang

risk
#172 of 742 • Bottom 23.0% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 20.15%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 91.09%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank improving

Efficiency Drag

risk
#119 of 361 • Bottom 32.7% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature
Efficiency Ratio: 81.33%
(Tier: 64.48%, National: 70.05%)
worse than tier avg
361 of 361 Community banks match · 426 nationally
↓ Shrinking -64 banks QoQ | QoQ rank improving

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 2643 peers in $100M-$1B

Top Strengths (3 metrics)

350
Tier 1 Capital Ratio
capital
Value: 20.15%
Peer Median: 15.91%
#350 of 2643 Top 13.2% in $100M-$1B
461
Nonperforming Asset Ratio
credit_quality
Value: 0.03%
Peer Median: 0.67%
#461 of 2643 Top 17.4% in $100M-$1B
482
Delinquency Rate
credit_quality
Value: 0.03%
Peer Median: 0.92%
#482 of 2633 Top 18.3% in $100M-$1B

Top Weaknesses (8 metrics)

2595
Non-Interest-Bearing Deposit Share
funding
Value: 2.40%
Peer Median: 22.03%
#2595 of 2643 Bottom 1.9% in $100M-$1B
2541
Net Interest Margin
profitability
Value: 2.63%
Peer Median: 3.99%
#2541 of 2643 Bottom 3.9% in $100M-$1B
2349
Return on Assets
profitability
Value: 0.45%
Peer Median: 1.32%
#2349 of 2643 Bottom 11.2% in $100M-$1B
2320
Efficiency Ratio
profitability
Value: 81.33%
Peer Median: 64.48%
#2320 of 2643 Bottom 12.3% in $100M-$1B
2108
Non-Interest Income / Assets
revenue_mix
Value: 0.11%
Peer Median: 0.57%
#2108 of 2643 Bottom 20.3% in $100M-$1B
2039
Total Assets
size
Value: $186.14M
Peer Median: $386.57M
#2039 of 2643 Bottom 22.9% in $100M-$1B
2013
Loan-to-Deposit Ratio
liquidity
Value: 91.09%
Peer Median: 77.95%
#2013 of 2643 Bottom 23.9% in $100M-$1B
2001
Total Deposits
size
Value: $161.32M
Peer Median: $326.73M
#2001 of 2643 Bottom 24.3% in $100M-$1B
Powered by BlastPoint © 2026