CITIZENS FEDERAL SAVINGS AND LOAN ASSOCIATION OF COVINGTON

COVINGTON, KY | Micro | Est. Jan. 1, 1886, midnight | FDIC #27841 | RSSD #673477 | OCC
Latest Report: 2025-12-31

CITIZENS FEDERAL SAVINGS AND LOAN ASSOCIATION OF COVINGTON is amn micro FDIC-insured commercial bank headquartered in COVINGTON, KY, established in Jan. 1, 1886, midnight. As of 2025-12-31, the bank reported total assets of $41M and total deposits of $27M. Profitability stands at 0.22% ROA and 0.81% ROE, with a net interest margin of 2.79%. The bank's CET1 capital ratio is 57.47%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.09% and a Texas Ratio of 0.24%. FDIC Certificate #27841.

Assets

$41M

Deposits

$27M

Loans

$32M

Equity

$11M

Profitability

Return on Assets (ROA) 0.22%
Return on Equity (ROE) 0.81%
Net Interest Margin (NIM) 2.79%
Yield on Assets 5.48%
Cost of Funds 3.61%

Asset Quality

NPL Ratio 0.09%
Net Charge-Off Ratio --
Texas Ratio 0.24%
NPA Ratio 0.07%
ACL / Loans 0.85%

Capital & Liquidity

CET1 Ratio 57.47%
Tier 1 Capital 57.47%
Total Capital Ratio 58.72%
Leverage Ratio 27.81%
Loan-to-Deposit 119.43%

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