Citizens Federal Savings & Loan Association
BankRegReports is independent of Citizens Federal Savings & Loan Association and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Citizens Federal Savings & Loan Association is an FDIC-insured savings institution headquartered in Bellefontaine, OH, established in 1885 (FDIC certificate 28060), and it is supervised by the OCC. At Q2 2026 it reported total assets of $186.1M, up 2.0% from Q2 2025, the 104th largest of 154 banks headquartered in Ohio. Its CET1 capital ratio was 20.15% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 28060
- Headquarters
- Bellefontaine, OH
- Established
- 1885
- Total assets, Q2 2026
- $186.1M
- Assets vs Q2 2025
- +2.0%
- CET1 ratio, Q2 2026
- 20.15%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 244170165
- Latest call report
- Q2 2026, FFIEC 041 · Citizens Federal Savings & Loan Association call report
- Asset rank in state
- 104th of 154 in Ohio
Citizens Federal Savings & Loan Association, based in Bellefontaine, Ohio, reported $186 million in assets at June 30, 2026, up 2.0% from a year earlier. It keeps 2.70 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also earns about $0.55 a year on every $100 of assets, about half the median of $1.28 for banks its size.
Earnings jumped: net income for the quarter was $258,000, 47% above the same quarter a year earlier. Over the same year, loans grew 3.5% and deposits shrank 0.5%. Costs are the weak spot: it spends about 76 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, Citizens Federal Savings & Loan Association reported a CET1 capital ratio of 20.15%, a return on assets of 0.55%, a nonperforming-loan ratio of 0.03% and a Texas ratio of 0.25%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Citizens Federal Savings & Loan Association is the 104th largest of the 154 banks headquartered in Ohio. From Q1 2026 to Q2 2026, its total assets fell 0.2% to $186.1M, loans rose 0.9% and deposits fell 2.4%. 1-4 family residential loans made up 82.6% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 6.8%. The FDIC Summary of Deposits lists a single office for it, in Bellefontaine, OH. On its Q2 2026 call report, Citizens Federal Savings & Loan Association meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 100 N. Main St, Bellefontaine, OH 43311
- County
- Logan
- Metro Area
- Bellefontaine, OH
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- —
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- January 1, 1885
- Former names
- Citizens Federal Savings and Loan Association (1885)
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 25
- Domestic deposits
- $161.3M
- Allowance for credit losses
- $300K
- Net charge-offs (YTD)
- $0
- Average total assets
- $186.5M
- Average total loans
- $146.4M
- Average interest-bearing deposits
- $161.0M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 28060
- Fed RSSD
- 647777
- Website
- WWW.CITIZENSFEDERALSL.COM →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Citizens Federal Savings & Loan Association's total assets moved between a low of $175.5M (Q3 2023) and a high of $186.6M (Q1 2026) from Q3 2023 to Q2 2026, and it earned a profit in 7 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$186.1M total assets against $182.5M; $166.8M total liabilities against $164.4M.
$146.9M net loans and leases against $142.0M; $161.3M total deposits against $162.1M.
$25.6M securities against $27.8M; $6.9M cash and balances due against $6.3M.
$2.0M total interest income against $1.9M; $858K total interest expense against $857K.
$1.2M net interest income against $1.0M.
$133K total noninterest income against $116K; $1.0M total noninterest expense against $924K.
No provision recorded in the last 12 quarters.
$258K net income against $175K.
0.55% return on assets against 0.38%; 2.70% net interest margin against 2.33%.
20.15% CET1 capital ratio against 20.13%; 10.90% tier 1 leverage ratio against 10.58%.
Inside the full Citizens Federal Savings & Loan Association terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCitizens Federal Savings & Loan Association rankings
Its closest position to the top of a national ranking is 326 of 2,134, for CET1 ratio; its furthest is 3,190 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.07% (Q3 2024) to 0.55% (Q2 2026) and its net interest margin ran from 1.77% (Q3 2024) to 2.70% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 20.15% | 0.55% | 0.03% | 0.25% | 2.70% |
| Q1 2026 | 20.08% | 0.35% | 0.08% | 0.60% | 2.64% |
| Q4 2025 | 20.22% | 0.51% | 0.07% | 0.56% | 2.45% |
| Q3 2025 | 20.46% | 0.42% | 0.05% | 0.39% | 2.41% |
| Q2 2025 | 20.13% | 0.38% | 0.13% | 1.02% | 2.33% |
| Q1 2025 | 20.18% | 0.28% | 0.05% | 0.39% | 2.24% |
| Q4 2024 | 20.12% | 0.17% | 0.05% | 0.39% | 2.01% |
| Q3 2024 | 20.21% | -0.07% | 0.06% | 0.47% | 1.77% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Citizens Federal Savings and Loan Association | Bellefontaine , OH | 43311 | $161.3M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in OH, rank 120 of 184 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Citizens Federal Savings & Loan Association’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about Citizens Federal Savings & Loan Association
What are Citizens Federal Savings & Loan Association's total assets?
As of the Q2 2026 filing, Citizens Federal Savings & Loan Association reported total assets of $186.1 million in its FFIEC call report.
Where is Citizens Federal Savings & Loan Association headquartered?
It is headquartered in Bellefontaine, OH, United States.
When was Citizens Federal Savings & Loan Association founded?
It was established in 1885, per the FDIC institution directory.
Is Citizens Federal Savings & Loan Association FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #28060). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Citizens Federal Savings & Loan Association?
Citizens Federal Savings & Loan Association's primary federal regulator is the OCC.
What is Citizens Federal Savings & Loan Association's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 20.15% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Citizens Federal Savings & Loan Association operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Citizens Federal Savings & Loan Association's Texas Ratio?
Its Texas Ratio is 0.25% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Citizens Federal Savings & Loan Association previously called?
The charter now named Citizens Federal Savings & Loan Association has also operated as Citizens Federal Savings and Loan Association (1885), per FDIC structure-change records.
Go deeper on Citizens Federal Savings & Loan Association.
Get an email when Citizens Federal Savings & Loan Association files its next call report, and benchmark it against any peer you choose.
Unlock Citizens Federal Savings & Loan Association, freeFree account