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Citizens Federal Savings and Loan Association


Overview / Commentary
www.citizens-federal.com
859-431-0087
433 Madison Ave
Covington, KY 41011

Citizens Federal Savings and Loan Association is headquartered in Covington and is the 135th largest bank in the state of Kentucky. It is also the 4,968th largest bank in the nation. It was established in 1886 and as of September of 2019, it had grown to 5 employees at 1 location. Citizens Federal Savings and Loan Association's money market rates are 14% higher than the national average, and it has a B+ health rating.

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Health
B+

Data as of Q3 2019

Learn why bank health matters
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. Citizens Federal Savings and Loan Association has a low asset base.

Health Grade Components

Overall
FDIC Certificate #27841
Year Established1886
Employees5
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.13%
Return on Equity - YTD3.96%
Annual Interest Income$1.1MM
Assets and Liabilities
AssetsQ3 2019vs Q3 2018$39.5MM$38.3MM
LoansQ3 2019vs Q3 2018$22.9MM$22.9MM
DepositsQ3 2019vs Q3 2018$23.5MM$23.4MM
Equity CapitalQ3 2019vs Q3 2018$11.2MM$10.4MM
Loan Loss AllowanceQ3 2019vs Q3 2018$272.00K$272.00K
Unbacked Noncurrent LoansQ3 2019vs Q3 2018$200.00K$0
Real Estate OwnedQ3 2019vs Q3 2018$0$0
Rates
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Citizens Federal Savings and Loan Association Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%$500-Passbook Savings

Citizens Federal Savings and Loan Association Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%$2.5k-MMDA

Citizens Federal Savings and Loan Association Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%$100-Classic Plus Checking
0.50%$10k-Choice Checking
0.50%$100-Freedom Checking

Citizens Federal Savings and Loan Association CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.15%$1k-60 Month CD
2.00%$1k-48 Month CD
1.90%$1k-36 Month CD
1.90%$1k-30 Month CD
1.85%$1k-24 Month CD
1.75%$1k-18 Month CD
1.75%$1k-11 Month CD
1.60%$1k-13 Month CD
0.60%$1k-12 Month CD
0.25%$5k-91 Day CD
0.25%$5k-182 Day CD

Citizens Federal Savings and Loan Association IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.15%$500-60 Month IRA
1.90%$500-30 Month IRA
Locations


Citizens Federal Savings and Loan Association Locations
Citizens Federal Savings and Loan Association433 Madison AveCovington, KY 41011

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