$40.6M
−3.3%y/y
Percentile by value29th percentileby value
FDIC
ASSETCF
Citizens Federal Savings and Loan Association
Covington, KentuckyFDIC Cert #27841
OCCEstablished 18861 branch
Holding company: Not reportedRegulator: OCC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportCitizens Federal Savings and Loan Association reported $40.6M in total assets. Deposits declined 3.74% over the prior year.
Return on assets was 0.21%, compared with the official FFIEC UBPR peer median of 0.30%. The leverage ratio was 28.07%.
- Why is Total Assets below its official FFIEC UBPR peers?
- Why is Noncurrent Loan Ratio below its official FFIEC UBPR peers?
- Why is CRE Concentration to Capital below its official FFIEC UBPR peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$26.8M
−3.7%y/y
Percentile by value28th percentileby value
FDIC
DEP$30.7M
−1.6%y/y
Percentile by value41st percentileby value
FDIC
LNLSNET0.21%
+26 bpsy/y
Peer standing39th percentile
FDIC
NETINC + ROA99.18%
+9 bpsy/y
Peer standing26th percentile
FDIC
NONIX + NIM + NONII + EEFFR28.07%
+27 bpsy/y
Peer standing84th percentile
FDIC
RBC1AAJPercentiles compare this bank with 77 ffiec ubpr peer group 104 — insured savings banks having assets less than $100 million.
Side-by-side comparison
Citizens Federal Savings and Loan Association beside its official FFIEC UBPR peers
The primary option is the peer group FFIEC assigned to this bank. The state option is FFIEC’s supplemental state group. Each pair uses the published FFIEC trimmed average when its formula matches the site registry; otherwise it uses a clearly labeled registry median within the same official membership.
UBPR membership + Call Report metricsThis bank
0.21%
Registry median
0.30%
This bank
0.74%
FFIEC trimmed average
1.82%
This bank
2.38%
Registry median
3.42%
This bank
99.18%
Registry median
86.06%
This bank
−3.74%
FFIEC trimmed average
+2.84%
This bank
−1.63%
FFIEC trimmed average
+1.59%
This bank
0.08%
FFIEC trimmed average
0.93%
This bank
28.07%
FFIEC trimmed average
19.96%
This bank
3.55%
Registry median
2.69%
This bank
16%
Registry median
33%
FFIEC averages are the regulator-published values after excluding the top and bottom 5%. Where the registered metric formula differs from UBPR, the comparison uses the median of reported registry values within the official FFIEC membership and labels it accordingly. Neither basis rates, ranks, or predicts the bank. Missing values remain Not reported.
This bank
0.21%
Registry median
0.64%
This bank
0.74%
FFIEC trimmed average
4.20%
This bank
2.38%
Registry median
3.17%
This bank
99.18%
Registry median
80.58%
This bank
−3.74%
FFIEC trimmed average
+4.07%
This bank
−1.63%
FFIEC trimmed average
+0.67%
This bank
0.08%
FFIEC trimmed average
1.54%
This bank
28.07%
FFIEC trimmed average
17.21%
This bank
3.55%
Registry median
3.19%
FFIEC averages are the regulator-published values after excluding the top and bottom 5%. Where the registered metric formula differs from UBPR, the comparison uses the median of reported registry values within the official FFIEC membership and labels it accordingly. Neither basis rates, ranks, or predicts the bank. Missing values remain Not reported.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $43.1M | $27.8M |
| Q3 2021 | $42.7M | $27.5M |
| Q4 2021 | $42.9M | $27M |
| Q1 2022 | $41.4M | $26.4M |
| Q2 2022 | $40.4M | $25.6M |
| Q3 2022 | $39.6M | $25.1M |
| Q4 2022 | $39.2M | $24.9M |
| Q1 2023 | $39.2M | $24.9M |
| Q2 2023 | $39.3M | $25.1M |
| Q3 2023 | $39.3M | $25.3M |
| Q4 2023 | $40M | $24.9M |
| Q1 2024 | $40.9M | $26.2M |
| Q2 2024 | $41.3M | $26.7M |
| Q3 2024 | $42.6M | $27.9M |
| Q4 2024 | $41M | $26.7M |
| Q1 2025 | $42M | $27.8M |
| Q2 2025 | $41.8M | $27.6M |
| Q3 2025 | $42M | $27.8M |
| Q4 2025 | $40.9M | $26.9M |
| Q1 2026 | $40.6M | $26.8M |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $0 |
| Investor CRE | $0 |
| Multifamily | $1.17M |
| Construction | $668K |
| 1–4 family | $28.9M |
| C&I | $0 |
| Agriculture | $0 |
| Other | $254K |
FFIEC UBPR comparison
How this bank compares
UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDIC
NETINC + ROA0.21%39th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th −0.93%Median 0.30%90th 1.97%Observations 77
ROE
FDIC
NETINC + ROE0.74%32nd percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th −6.42%Median 1.92%90th 9.64%Observations 77
NIM
FDIC
NIM + NIMY2.38%14th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.12%Median 3.42%90th 4.22%Observations 77
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR99.18%26th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 64.58%Median 86.06%90th 123.71%Observations 77
Deposits YoY
FDIC
DEP−3.74%12th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −5.85%Median +2.09%90th +11.84%Observations 77
Loans YoY
FDIC
LNLSNET−1.63%29th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −5.56%Median +1.66%90th +8.66%Observations 70
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.08%28th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.45%90th 2.93%Observations 70
Leverage
FDIC
RBC1AAJ28.07%83rd percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.85%Median 16.55%90th 31.44%Observations 77
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.55%13th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.10%Median 2.69%90th 3.65%Observations 77
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC16%28th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 4%Median 33%90th 96%Observations 41
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.
UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDIC
NETINC + ROA0.21%14th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th −0.19%Median 0.64%90th 1.17%Observations 8
ROE
FDIC
NETINC + ROE0.74%22nd percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th −2.47%Median 3.14%90th 11.64%Observations 8
NIM
FDIC
NIM + NIMY2.38%0th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.40%Median 3.17%90th 3.84%Observations 8
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR99.18%14th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 58.05%Median 80.58%90th 113.23%Observations 8
Deposits YoY
FDIC
DEP−3.74%22nd percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −3.94%Median +6.46%90th +8.08%Observations 8
Loans YoY
FDIC
LNLSNET−1.63%22nd percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −4.51%Median +1.37%90th +5.83%Observations 8
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.08%33rd percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.58%90th 3.72%Observations 8
Leverage
FDIC
RBC1AAJ28.07%88th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 10.22%Median 15.93%90th 26.60%Observations 8
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.55%14th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 2.23%Median 3.19%90th 3.63%Observations 8
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.
Branches & markets
Physical footprint
- Domestic offices
- 1 branch
- Headquarters
- Covington, KY
FDIC
OFFDOMOpen the Kentucky dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data