Bank Comparison
Country Trust Bank vs Citizens Federal Savings and Loan Association of Covington
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
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winning metrics across 13 scored rows (2 tied)
Citizens Federal Savings and Loan Association of Covington
RSSD 673477 · Covington, KY
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Capital adequacy
| Metric | Country Trust Bank | Citizens Federal Savings and Loan Association of Covington |
|---|---|---|
| CET1 Ratio | 115.01% | 58.97% |
| Tier 1 Capital Ratio | 115.01% | 58.97% |
| Total Capital Ratio | 115.01% | 60.22% |
| Tier 1 Leverage Ratio | 78.65% | 28.05% |
| Equity / Assets | 85.65% | 27.03% |
Profitability
| Metric | Country Trust Bank | Citizens Federal Savings and Loan Association of Covington |
|---|---|---|
| Return on Assets (ROA) | 25.88% | 0.28% |
| Return on Equity (ROE) | 34.63% | 1.03% |
| Net Interest Margin (NIM) | 5.17% | 2.52% |
| Yield on Earning Assets | 5.17% | 4.83% |
| Cost of Funds | 0.00% | 3.40% |
Asset quality
| Metric | Country Trust Bank | Citizens Federal Savings and Loan Association of Covington |
|---|---|---|
| Texas Ratio | 0.00% | 0.00% |
| Non-Performing Loan Ratio | — | 0.00% |
| Non-Performing Asset Ratio | 0.00% | 0.00% |
| Net Charge-Off Ratio | — | 0.00% |
| ACL / Loans | — | 0.89% |
Balance sheet
| Metric | Country Trust Bank | Citizens Federal Savings and Loan Association of Covington |
|---|---|---|
| Total Assets | $42.3M | $41.9M |
| Total Deposits | $798K | $28.1M |
| Total Loans | $0 | $30.5M |
| Total Equity | $36.2M | $11.3M |
| Net Income (quarter) | $3.0M | $29K |
Liquidity & funding
| Metric | Country Trust Bank | Citizens Federal Savings and Loan Association of Covington |
|---|---|---|
| Loan-to-Deposit Ratio | 0.00% | 108.86% |
| Core Deposit Ratio | 100.00% | 85.22% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Country Trust Bank | Citizens Federal Savings and Loan Association of Covington |
|---|---|---|
| Headquarters City | Bloomington | Covington |
| Headquarters State | IL | KY |
| Asset Tier | under $100M in assets | under $100M in assets |
| Regulator | OCC | OCC |
| Domestic Branches | 1 | 1 |
| Employees (FTE) | 125 | 4 |
| Established | May 1, 2000 | January 1, 1886 |
About this comparison
All metrics are sourced from FFIEC call report filings, the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of June 30, 2026. The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio. Size and identity rows (assets, deposits, loans, equity, branches, employees) are shown for context and are not scored, and two values that match at the precision shown count as a tie.
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