CITIZENS FEDERAL SAVINGS & LOAN ASSOCIATION

BELLEFONTAINE, OH | Small | Est. Jan. 1, 1885, midnight | FDIC #28060 | RSSD #647777 | OCC
Latest Report: 2025-12-31

CITIZENS FEDERAL SAVINGS & LOAN ASSOCIATION is asn small FDIC-insured commercial bank headquartered in BELLEFONTAINE, OH, established in Jan. 1, 1885, midnight. As of 2025-12-31, the bank reported total assets of $185M and total deposits of $165M. Profitability stands at 0.52% ROA and 5.00% ROE, with a net interest margin of 2.53%. The bank's CET1 capital ratio is 20.22%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #28060.

Assets

$185M

Deposits

$165M

Loans

$145M

Equity

$19M

Profitability

Return on Assets (ROA) 0.52%
Return on Equity (ROE) 5.00%
Net Interest Margin (NIM) 2.53%
Yield on Assets 4.61%
Cost of Funds 2.14%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio --
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 0.21%

Capital & Liquidity

CET1 Ratio 20.22%
Tier 1 Capital 20.22%
Total Capital Ratio 20.52%
Leverage Ratio 10.85%
Loan-to-Deposit 87.71%

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