BanksCITIZENS FEDERAL SAVINGS & LOAN ASSOCIATION

CITIZENS FEDERAL SAVINGS & LOAN ASSOCIATION

BELLEFONTAINE, OHSmallEst. Jan. 1, 1885, midnightFDIC #28060RSSD #647777OCC
Latest · 2025-12-31

CITIZENS FEDERAL SAVINGS & LOAN ASSOCIATION is an 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%. CET1 capital ratio: 20.22%, well above regulatory minimums. NPL ratio: 0.00% · Texas Ratio: 0.00%. Operates 1 domestic branch.

Assets
$185M
Deposits
$165M
Loans
$145M
Equity
$19M

Profitability

Return on Assets (ROA)0.52%
Return on Equity (ROE)5.00%
Net Interest Margin2.53%
Yield on Assets4.61%
Cost of Funds2.14%

Asset Quality

NPL Ratio0.00%
Net Charge-Off Ratio0.00%
Texas Ratio0.00%
NPA Ratio0.00%
ACL / Loans0.21%

Capital & Liquidity

CET1 Ratio20.22%
Tier 1 Capital20.22%
Total Capital Ratio20.52%
Leverage Ratio10.85%
Loan-to-Deposit87.71%

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