Citizens Federal Savings & Loan Association: 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.
Loan-to-deposit ratio climbed 3.01 percentage points in Q2 2026, from 88.27% to 91.27%. It was the largest change from Q1 2026 among the key lines here. Within Ohio, Citizens Federal Savings & Loan Association is 123rd of 156 on return on assets, 0.55% as of Q2 2026, below the middle of the field. Against a median of 1.25% for banks in the $100M-1B asset tier, Citizens Federal Savings & Loan Association reported 0.55% on return on assets in Q2 2026, 0.70 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 20.15% |
| Tier 1 risk-based capital ratio | 20.15% |
| Total risk-based capital ratio | 20.45% |
| Tier 1 leverage ratio | 10.90% |
| Equity capital to assets | 10.39% |
| Tangible equity to tangible assets | 10.39% |
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 | 0.25% |
| Allowance for credit losses to loans | 0.20% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.55% |
| Return on equity | 5.39% |
| Net interest margin | 2.70% |
| Efficiency ratio | 75.74% |
| Yield on earning assets | 4.60% |
| Cost of funds | 2.07% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.27% |
| Core deposits to total deposits | 80.70% |
| Brokered deposits to total deposits | 1.24% |
| Deposits to assets | 86.67% |
| Securities to assets | 13.74% |
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 | 21.10% | 21.10% | 21.43% | 10.89% | -0.06% |
| Q4 2023 | 21.07% | 21.07% | 21.40% | 10.89% | -0.06% |
| Q1 2024 | 20.75% | 20.75% | 21.07% | 10.83% | -0.14% |
| Q2 2024 | 20.54% | 20.54% | 20.87% | 10.68% | -0.08% |
| Q3 2024 | 20.21% | 20.21% | 20.52% | 10.58% | -0.07% |
| Q4 2024 | 20.12% | 20.12% | 20.43% | 10.55% | 0.17% |
| Q1 2025 | 20.18% | 20.18% | 20.49% | 10.43% | 0.28% |
| Q2 2025 | 20.13% | 20.13% | 20.44% | 10.58% | 0.38% |
| Q3 2025 | 20.46% | 20.46% | 20.78% | 10.71% | 0.42% |
| Q4 2025 | 20.22% | 20.22% | 20.52% | 10.85% | 0.51% |
| Q1 2026 | 20.08% | 20.08% | 20.38% | 10.80% | 0.35% |
| Q2 2026 | 20.15% | 20.15% | 20.45% | 10.90% | 0.55% |
Citizens Federal Savings & Loan Association vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Federal Savings & Loan Association, 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 & Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28060) · FFIEC NIC profile (RSSD 647777)