BanksCITIZENS FEDERAL SAVINGS AND LOAN ASSOCIATION OF COVINGTON

CITIZENS FEDERAL SAVINGS AND LOAN ASSOCIATION OF COVINGTON

COVINGTON, KYMicroEst. Jan. 1, 1886, midnightFDIC #27841RSSD #673477OCC
Latest · 2025-12-31

CITIZENS FEDERAL SAVINGS AND LOAN ASSOCIATION OF COVINGTON is an 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%. CET1 capital ratio: 57.47%, well above regulatory minimums. NPL ratio: 0.09% · Texas Ratio: 0.24%. Operates 1 domestic branch.

Assets
$41M
Deposits
$27M
Loans
$32M
Equity
$11M

Profitability

Return on Assets (ROA)0.22%
Return on Equity (ROE)0.81%
Net Interest Margin2.79%
Yield on Assets5.48%
Cost of Funds3.41%

Asset Quality

NPL Ratio0.09%
Net Charge-Off Ratio0.00%
Texas Ratio0.24%
NPA Ratio0.07%
ACL / Loans0.85%

Capital & Liquidity

CET1 Ratio57.47%
Tier 1 Capital57.47%
Total Capital Ratio58.72%
Leverage Ratio27.81%
Loan-to-Deposit119.43%

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