Citizens Federal Savings & Loan Association: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Citizens Federal Savings & Loan Association, based in Bellefontaine, Ohio, reported $186 million in assets at June 30, 2026, up 2.0% from a year earlier. It keeps 2.70 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also earns about $0.55 a year on every $100 of assets, about half the median of $1.28 for banks its size.
Earnings jumped: net income for the quarter was $258,000, 47% above the same quarter a year earlier. Over the same year, loans grew 3.5% and deposits shrank 0.5%. Costs are the weak spot: it spends about 76 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, Citizens Federal Savings & Loan Association reported a CET1 capital ratio of 20.15%, a return on assets of 0.55%, a nonperforming-loan ratio of 0.03% and a Texas ratio of 0.25%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 100 N. Main St, Bellefontaine, OH 43311
- County
- Logan
- Metro Area
- Bellefontaine, OH
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- —
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- January 1, 1885
- Former names
- Citizens Federal Savings and Loan Association (1885)
- Offices
- 1 domestic
- Employees (FTE)
- 25
- Domestic deposits
- $161.3M
- Allowance for credit losses
- $300K
- Net charge-offs (YTD)
- $0
- Average total assets
- $186.5M
- Average total loans
- $146.4M
- Average interest-bearing deposits
- $161.0M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 28060
- Fed RSSD
- 647777
- Website
- WWW.CITIZENSFEDERALSL.COM →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. The UBPR's YTD ROA divides by the average of the quarterly average assets the bank reports on Schedule RC-K, while FDIC BankFind divides by the average of quarter-end total assets, so FDIC's ROA can differ from the YTD figure by a few hundredths of a point. Net interest margin is the UBPR's tax-equivalent figure over the UBPR's own average earning assets. FDIC BankFind's is not tax-equivalent and divides by the average of quarter-end earning assets including the prior year-end, so after a merger FDIC's margin can differ from ours by several tenths of a point.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
No provision recorded in the last 12 quarters.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Citizens Federal Savings & Loan Association terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
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How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 20.15% | 0.55% | 0.03% | 0.25% | 2.70% |
| Q1 2026 | 20.08% | 0.35% | 0.08% | 0.60% | 2.64% |
| Q4 2025 | 20.22% | 0.51% | 0.07% | 0.56% | 2.45% |
| Q3 2025 | 20.46% | 0.42% | 0.05% | 0.39% | 2.41% |
| Q2 2025 | 20.13% | 0.38% | 0.13% | 1.02% | 2.33% |
| Q1 2025 | 20.18% | 0.28% | 0.05% | 0.39% | 2.24% |
| Q4 2024 | 20.12% | 0.17% | 0.05% | 0.39% | 2.01% |
| Q3 2024 | 20.21% | -0.07% | 0.06% | 0.47% | 1.77% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View the branch →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Citizens Federal Savings and Loan Association | Bellefontaine , OH | 43311 | $161.3M |
Regulatory record
What the public regulatory sources show for Citizens Federal Savings & Loan Association, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in OH, rank 120 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- Not on file: no SBA 7(a) loans matched
- Period: not on file. Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Citizens Federal Savings & Loan Association
What are Citizens Federal Savings & Loan Association's total assets?
As of the Q2 2026 filing, Citizens Federal Savings & Loan Association reported total assets of $186.1 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Citizens Federal Savings & Loan Association headquartered?
Citizens Federal Savings & Loan Association is headquartered in Bellefontaine, OH, United States. It files quarterly FFIEC call reports, as every FDIC-insured savings institution must.
When was Citizens Federal Savings & Loan Association founded?
Citizens Federal Savings & Loan Association was established in 1885, per the FDIC institution directory.
Is Citizens Federal Savings & Loan Association FDIC-insured?
Yes. Citizens Federal Savings & Loan Association is an FDIC-insured savings institution (FDIC Certificate #28060). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Citizens Federal Savings & Loan Association?
Citizens Federal Savings & Loan Association's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Citizens Federal Savings & Loan Association's CET1 capital ratio?
Citizens Federal Savings & Loan Association reported a Common Equity Tier 1 (CET1) capital ratio of 20.15% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Citizens Federal Savings & Loan Association operate?
Citizens Federal Savings & Loan Association operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Citizens Federal Savings & Loan Association's Texas Ratio?
Citizens Federal Savings & Loan Association's Texas Ratio is 0.25% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Citizens Federal Savings & Loan Association previously called?
The charter now named Citizens Federal Savings & Loan Association has also operated as Citizens Federal Savings and Loan Association (1885), per FDIC structure-change records.
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