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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 121st largest bank in the state of Kentucky. It is also the 4,634th largest bank in the nation. It was established in 1886 and as of December of 2021, it had grown to 5 employees at 1 location. Citizens Federal Savings and Loan Association has a B health rating.

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Health
B

Data as of Q4 2021

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 - YTD0.35%
Return on Equity - YTD1.3%
Annual Interest Income$1.4MM
Assets and Liabilities
AssetsQ4 2021vs Q4 2020$42.9MM$43.1MM
LoansQ4 2021vs Q4 2020$24.9MM$23.4MM
DepositsQ4 2021vs Q4 2020$27.0MM$27.4MM
Equity CapitalQ4 2021vs Q4 2020$11.5MM$11.7MM
Loan Loss AllowanceQ4 2021vs Q4 2020$272.00K$272.00K
Unbacked Noncurrent LoansQ4 2021vs Q4 2020$0$0
Real Estate OwnedQ4 2021vs Q4 2020$0$0
Rates
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Citizens Federal Savings and Loan Association Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%$500-Passbook Savings

Citizens Federal Savings and Loan Association Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%$2.5k-MMDA

Citizens Federal Savings and Loan Association Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%$100-Classic Plus Checking
0.25%$10k-Choice Checking
0.25%$100-Freedom Checking

Citizens Federal Savings and Loan Association CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.25%$1k-59 Month CD
1.15%$1k-49 Month CD
0.90%$1k-36 Month CD
0.90%$1k-60 Month CD
0.80%$1k-48 Month CD
0.70%$1k-30 Month CD
0.70%$1k-29 Month CD
0.60%$1k-24 Month CD
0.55%$1k-18 Month CD
0.40%$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
0.90%$500-60 Month IRA
0.70%$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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