Citizens Federal Savings and Loan Association of Covington: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Citizens Federal Savings and Loan Association of Covington of Covington, KY against its peer group of 536 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.28% | 3.33% | -3.05% | 19th bottom |
| ROAE | 1.03% | 8.30% | -7.27% | 17th bottom |
| Net Interest Margin | 2.52% | 3.93% | -1.41% | 7th bottom |
| Efficiency Ratio | 89.69% | 84.46% | +5.23% | 18th bottom |
| PPNR / Avg Assets | 0.26% | 1.56% | -1.30% | 16th bottom |
| Yield on Earning Assets | 4.83% | 5.24% | -0.41% | 33rd below |
| Cost of Funds | 3.40% | 1.67% | +1.73% | 4th bottom |
| Net Interest Spread | 1.66% | 3.30% | -1.64% | 6th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.42% | -1.42% | 83rd top |
| NPA / Total Assets | 0.00% | 0.71% | -0.71% | 81st top |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 53rd above |
| ACL / Total Loans | 0.89% | 1.53% | -0.64% | 19th bottom |
| Texas Ratio | 0.00% | 8.57% | -8.57% | 84th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 58.97% | 126.94% | -67.97% | 80th top |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 58.97% | 126.95% | -67.98% | 80th top |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 60.22% | 127.84% | -67.62% | 80th top |
| Leverage Ratio | 28.05% | 22.07% | +5.98% | 86th top |
| Equity / Assets | 27.03% | 20.71% | +6.32% | 87th top |
| TCE / Tangible Assets | 27.03% | 20.47% | +6.56% | 87th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 108.86% | 74.20% | +34.66% | 5th bottom |
| Core Deposit Ratio | 85.22% | 88.31% | -3.09% | 24th bottom |
| Wholesale Funding Ratio | 5.70% | 5.32% | +0.38% | 34th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.22% | 3.83% | -3.61% | 35th below |
| Loan Growth (Y/Y) | -2.48% | 6.86% | -9.34% | 29th below |
| Deposit Growth (Y/Y) | 1.64% | 2.98% | -1.34% | 47th below |
See Citizens Federal Savings and Loan Association of Covington's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Citizens Federal Savings and Loan Association of Covington, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Citizens Federal Savings and Loan Association of Covington profile, how to read a UBPR, or how this data updates.