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.
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