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BDI
CF

Citizens Federal Savings and Loan Association

Covington, KentuckyFDIC Cert #27841

OCCEstablished 18861 branch

Holding company: Not reportedRegulator: OCC

FDICCERT + OFFDOM

Delinquency, loss & reserves

Credit

Early-stage delinquency, nonaccruals, realized loss, and allowance coverage from reported filings.

As of Q1 2026

Problem credits

Reported delinquent and nonperforming exposures, shown as balances and ratios.

30–89 %
0.71%
Peer standing62nd percentile
Peer standing in FFIEC UBPR Peer Group 104 — Insured savings banks having assets less than $100 million
FDICP3ASSET + LNLSGR
90+ %
0.00%
Peer standing100th percentile
Peer standing in FFIEC UBPR Peer Group 104 — Insured savings banks having assets less than $100 million
FDICP9ASSET + LNLSGR
Nonaccrual %
0.08%
Peer standing64th percentile
Peer standing in FFIEC UBPR Peer Group 104 — Insured savings banks having assets less than $100 million
FDICNAASSET + LNLSGR
Noncurrent %
0.08%
Peer standing72nd percentile
Peer standing in FFIEC UBPR Peer Group 104 — Insured savings banks having assets less than $100 million
FDICP9ASSET + NAASSET + LNLSGR
NPA/assets
0.06%
Peer standing67th percentile
Peer standing in FFIEC UBPR Peer Group 104 — Insured savings banks having assets less than $100 million
FDICP9ASSET + NAASSET + ORE + ASSET
NPA
$26K
Peer standing66th percentile
Peer standing in FFIEC UBPR Peer Group 104 — Insured savings banks having assets less than $100 million
FDICP9ASSET + NAASSET + ORE

Loss & allowance

Recognized charge-offs and the allowance held against the loan portfolio.

NCO rate
0.00%
Peer standing90th percentile
Peer standing in FFIEC UBPR Peer Group 104 — Insured savings banks having assets less than $100 million
FDICNTLNLS + LNLSGR
NCO
$0
Peer standing91st percentile
Peer standing in FFIEC UBPR Peer Group 104 — Insured savings banks having assets less than $100 million
FDICNTLNLS + DRLNLS + CRLNLS
ACL/loans
0.88%
+1.6%y/y
Percentile by value46th percentileby value
Peer standing in FFIEC UBPR Peer Group 104 — Insured savings banks having assets less than $100 million
FDICLNATRES + LNLSGR
30–89
$221K
Peer standing55th percentile
Peer standing in FFIEC UBPR Peer Group 104 — Insured savings banks having assets less than $100 million
FDICP3ASSET
90+
$0
Peer standing100th percentile
Peer standing in FFIEC UBPR Peer Group 104 — Insured savings banks having assets less than $100 million
FDICP9ASSET
Nonaccrual
$26K
Peer standing57th percentile
Peer standing in FFIEC UBPR Peer Group 104 — Insured savings banks having assets less than $100 million
FDICNAASSET