Citizens Federal Savings and Loan Association of Covington: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 7.09 percentage points lower than in Q1 2026, at 108.86%. On loan-to-deposit ratio, Citizens Federal Savings and Loan Association of Covington ranks 7th highest among the 120 banks headquartered in Kentucky, at 108.86% (Q2 2026). Citizens Federal Savings and Loan Association of Covington's loan-to-deposit ratio of 108.86% is well above the 67.62% median for banks in the < $100M asset tier, a gap of 41.23 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $30.5M |
| Net loans and leases | $30.3M |
| Loans held for sale | $0 |
| Loans to total assets | 72.95% |
| Loan-to-deposit ratio | 108.86% |
| Net loans to equity capital | 2.67% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 0.00% |
| Multifamily (5+ residential) | 3.81% |
| Commercial and industrial | 0.00% |
| Consumer | 0.20% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 15.45% |
| Construction concentration (Tier 1 capital + allowance) | 5.62% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.38% |
| Interest income on loans | $414K |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $29.1M | $25.2M | 0.00% | 0.00% | 0.00% |
| Q4 2023 | $30.5M | $24.9M | 0.00% | 0.00% | 0.28% |
| Q1 2024 | $30.8M | $26.2M | 0.00% | 0.00% | 0.27% |
| Q2 2024 | $32.0M | $26.7M | 0.00% | 0.00% | 0.43% |
| Q3 2024 | $31.8M | $27.9M | 0.00% | 0.00% | 0.18% |
| Q4 2024 | $31.6M | $26.7M | 0.00% | 0.00% | 0.18% |
| Q1 2025 | $31.5M | $27.8M | 0.00% | 0.00% | 0.18% |
| Q2 2025 | $31.3M | $27.6M | 0.00% | 0.00% | 0.19% |
| Q3 2025 | $32.2M | $27.8M | 0.00% | 0.00% | 1.10% |
| Q4 2025 | $32.1M | $26.9M | 0.00% | 0.00% | 0.79% |
| Q1 2026 | $31.0M | $26.8M | 0.00% | 0.00% | 0.82% |
| Q2 2026 | $30.5M | $28.1M | 0.00% | 0.00% | 0.20% |
Citizens Federal Savings and Loan Association of Covington loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Federal Savings and Loan Association of Covington, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Citizens Federal Savings and Loan Association of Covington profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27841) · FFIEC NIC profile (RSSD 673477)