BlastPoint's Banking Scorecard

Citizens Federal Savings and Loan Association

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

Designations: ✓ Mutual

Bellefontaine, OH

2664 banks in the $100M-$1B peer group nationally 98 in OH

Citizens Federal Savings and Loan Association has 1 strength but faces 8 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

+ Credit Quality Leader: Top 3.0% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 3.7% in tier
- Credit Quality Pressure: Bottom 8.3% in tier
- Flatlined Growth: Bottom 14.5% in tier
- Liquidity Overhang: Bottom 24.2% in tier
- Efficiency Drag: Bottom 41.5% in tier
- Return on Assets 0.92% below tier average
- Net Interest Margin 1.34% below tier average
- Non-Interest-Bearing Deposit Share 19.41% below tier average

Get updates when Citizens Federal Savings and Loan Association releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Total Assets ?	$186.6M +1.6% YoY +1.1% QoQ	-$199.5M	$386.1M +0.5% YoY	$35.8B +10.6% YoY	$6.2B +9.1% YoY	23%
Total Loans ?	$145.6M +2.6% YoY +0.7% QoQ	-$110.1M	$255.7M +1.1% YoY	$15.7B +12.8% YoY	$3.2B +10.8% YoY	34%
Total Deposits ?	$165.3M -0.2% YoY +0.1% QoQ	-$162.7M	$328.0M +0.1% YoY	$25.9B +8.5% YoY	$4.8B +8.2% YoY	25%
Return on Assets ?	0.35% +25.6% YoY -12.3% QoQ	-0.92%	1.27% +12.9% YoY	1.12% +9.9% YoY	1.23% +13.4% YoY	Bottom 9.3% in tier
Net Interest Margin ?	2.59% +17.1% YoY +11.1% QoQ	-1.34%	3.93% +6.0% YoY	3.58% +7.5% YoY	3.89% +5.7% YoY	Bottom 4.0% in tier
Efficiency Ratio ?	85.42% -1.9% YoY +3.9% QoQ	+20.13%	65.29% -4.5% YoY	72.65% -4.0% YoY	66.95% -4.1% YoY	Bottom 9.9% in tier
Delinquency Rate ?	0.08% +61.5% YoY +6.6% QoQ	-0.81%	0.89% +18.8% YoY	0.65% +14.5% YoY	0.95% +18.8% YoY	76%
Loan-to-Deposit Ratio ?	88.08% +2.8% YoY +0.6% QoQ	+11.45%	76.64% +0.8% YoY	79.14% +0.8% YoY	76.70% +0.9% YoY	29%
Non-Interest-Bearing Deposit Share ?	2.61% -6.4% YoY -4.5% QoQ	-19.41%	22.02% -1.0% YoY	18.08% -0.4% YoY	22.01% -1.2% YoY	Bottom 1.9% in tier
Nonperforming Asset Ratio ?	0.06% +63.2% YoY +6.3% QoQ	-0.58%	0.64% +19.7% YoY	0.44% +14.5% YoY	0.67% +19.3% YoY	76%
Tier 1 Capital Ratio ?	20.08% -0.5% YoY -0.7% QoQ	+4.25%	15.83% +1.5% YoY	19.44% +3.1% YoY	17.06% +0.8% YoY	Top 13.3% in tier
Non-Interest Income / Assets ?	0.03% -25.6% YoY -86.9% QoQ	-0.25%	0.28% +9.3% YoY	0.57% -2.4% YoY	0.32% +4.1% YoY	Bottom 10.7% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 (1)

Credit Quality Leader

growth

#21 of 664 • Top 3.0% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.08%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Concerns (5)

Credit Risk Growth

risk

#37 of 973 • Bottom 3.7% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ | QoQ rank declining

Credit Quality Pressure

risk

#110 of 1308 • Bottom 8.3% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.08%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank declining

Flatlined Growth

risk

#75 of 512 • Bottom 14.5% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.35%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

512 of 512 Community banks match · 687 nationally

→ Stable +32 banks QoQ | QoQ rank declining

Liquidity Overhang

risk

#180 of 739 • Bottom 24.2% 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: 20.08%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 88.08%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank declining

Efficiency Drag

risk

#173 of 414 • Bottom 41.5% in tier

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

Why this signature

Efficiency Ratio: 85.42%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

414 of 414 Community banks match · 492 nationally

→ Stable | 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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (3 metrics)

355

Tier 1 Capital Ratio

capital

Value: 20.08%

Peer Median: 15.83%

#355 of 2664 Top 13.3% in $100M-$1B

639

Delinquency Rate

credit_quality

Value: 0.08%

Peer Median: 0.89%

#639 of 2654 Top 24.0% in $100M-$1B

651

Nonperforming Asset Ratio

credit_quality

Value: 0.06%

Peer Median: 0.64%

#651 of 2664 Top 24.4% in $100M-$1B

Top Weaknesses (7 metrics)

2615

Non-Interest-Bearing Deposit Share

funding

Value: 2.61%

Peer Median: 22.02%

#2615 of 2664 Bottom 1.9% in $100M-$1B

2559

Net Interest Margin

profitability

Value: 2.59%

Peer Median: 3.93%

#2559 of 2664 Bottom 4.0% in $100M-$1B

2416

Return on Assets

profitability

Value: 0.35%

Peer Median: 1.27%

#2416 of 2664 Bottom 9.3% in $100M-$1B

2402

Efficiency Ratio

profitability

Value: 85.42%

Peer Median: 65.29%

#2402 of 2664 Bottom 9.9% in $100M-$1B

2379

Non-Interest Income / Assets

revenue_mix

Value: 0.03%

Peer Median: 0.28%

#2379 of 2664 Bottom 10.7% in $100M-$1B

2047

Total Assets

size

Value: $186.59M

Peer Median: $386.08M

#2047 of 2664 Bottom 23.2% in $100M-$1B

2000

Total Deposits

size

Value: $165.29M

Peer Median: $327.97M

#2000 of 2664 Bottom 25.0% in $100M-$1B