Citizens Federal Savings & Loan Association: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Citizens Federal Savings & Loan Association of Bellefontaine, OH against its peer group of 2672 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 | 0.55% | 1.34% | -0.79% | 14th bottom |
| ROAE | 5.39% | 13.32% | -7.93% | 15th bottom |
| Net Interest Margin | 2.70% | 3.93% | -1.23% | 5th bottom |
| Efficiency Ratio | 75.74% | 61.14% | +14.60% | 18th bottom |
| PPNR / Avg Assets | 0.63% | 1.68% | -1.05% | 11th bottom |
| Yield on Earning Assets | 4.60% | 5.67% | -1.07% | 11th bottom |
| Cost of Funds | 2.07% | 1.88% | +0.19% | 33rd below |
| Net Interest Spread | 2.49% | 3.32% | -0.83% | 13th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 94th top |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 0.20% | 1.28% | -1.08% | 0th bottom |
| Texas Ratio | 0.25% | 7.33% | -7.08% | 84th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 20.15% | 19.50% | +0.65% | 78th top |
| Tier 1 Ratio | 20.15% | 19.54% | +0.61% | 78th top |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 20.45% | 20.62% | -0.17% | 75th top |
| Leverage Ratio | 10.90% | 12.14% | -1.24% | 49th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.39% | 11.37% | -0.98% | 51st above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.39% | 11.09% | -0.70% | 55th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 91.27% | 80.64% | +10.63% | 26th below |
| Core Deposit Ratio | 80.70% | 86.86% | -6.16% | 18th bottom |
| Wholesale Funding Ratio | 2.69% | 5.03% | -2.34% | 59th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.01% | 6.85% | -4.84% | 33rd below |
| Loan Growth (Y/Y) | 3.47% | 7.90% | -4.43% | 40th below |
| Deposit Growth (Y/Y) | -0.47% | 6.29% | -6.76% | 21st bottom |
See Citizens Federal Savings & Loan Association's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Citizens Federal Savings & Loan Association, 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 & Loan Association profile, how to read a UBPR, or how this data updates.