Citizens Federal Savings and Loan Association of Covington: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 7.09 percentage points lower than in Q1 2026, at 108.86%. Citizens Federal Savings and Loan Association of Covington has the 6th lowest return on assets of the 119 banks headquartered in Kentucky, at 0.28% as of Q2 2026. Against a median of 0.98% for banks in the < $100M asset tier, Citizens Federal Savings and Loan Association of Covington reported 0.28% on return on assets in Q2 2026, 0.70 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 58.97% |
| Tier 1 risk-based capital ratio | 58.97% |
| Total risk-based capital ratio | 60.22% |
| Tier 1 leverage ratio | 28.05% |
| Equity capital to assets | 27.03% |
| Tangible equity to tangible assets | 27.03% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 0.89% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.28% |
| Return on equity | 1.03% |
| Net interest margin | 2.52% |
| Efficiency ratio | 89.69% |
| Yield on earning assets | 4.83% |
| Cost of funds | 3.40% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 108.86% |
| Core deposits to total deposits | 85.22% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 67.02% |
| Securities to assets | 16.75% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 62.82% | 62.82% | 64.07% | 29.60% | 0.51% |
| Q4 2023 | 60.20% | 60.20% | 61.45% | 29.03% | -0.93% |
| Q1 2024 | 60.80% | 60.80% | 62.06% | 28.42% | -0.23% |
| Q2 2024 | 57.44% | 57.44% | 58.69% | 28.27% | -0.02% |
| Q3 2024 | 55.91% | 55.91% | 57.16% | 27.49% | -0.14% |
| Q4 2024 | 57.77% | 57.77% | 59.02% | 27.69% | -0.10% |
| Q1 2025 | 57.17% | 57.17% | 58.42% | 27.80% | -0.06% |
| Q2 2025 | 57.15% | 57.15% | 58.40% | 27.41% | 0.04% |
| Q3 2025 | 56.22% | 56.22% | 57.47% | 27.58% | 0.21% |
| Q4 2025 | 57.47% | 57.47% | 58.72% | 27.81% | 0.22% |
| Q1 2026 | 58.69% | 58.69% | 59.94% | 28.07% | 0.20% |
| Q2 2026 | 58.97% | 58.97% | 60.22% | 28.05% | 0.28% |
Citizens Federal Savings and Loan Association of Covington vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Federal Savings and Loan Association of Covington, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)