Citizens Federal Savings and Loan Association
Overview / Commentary
Citizens Federal Savings and Loan Association is headquartered in COVINGTON and is the 117th largest bank in the state of Kentucky. It is also the 4,332nd largest bank in the nation. It was established in 1886 and as of December of 2024, it had grown to 5 employees at 1 location. Citizens Federal Savings and Loan Association has a B+ health rating.
Health
B+
Data as of Q4 2024
Learn why bank health mattersAdditional 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 Established | 1886 |
| Employees | 5 |
| Primary Regulator | OCC |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | -0.12% |
| Return on Equity - YTD | -0.45% |
| Annual Interest Income | $1.8MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q4 2024vs Q4 2023 | $41MM$40MM |
| Loans | Q4 2024vs Q4 2023 | $31.4MM$30.2MM |
| Deposits | Q4 2024vs Q4 2023 | $26.7MM$24.9MM |
| Equity Capital | Q4 2024vs Q4 2023 | $11.1MM$11.1MM |
| Loan Loss Allowance | Q4 2024vs Q4 2023 | $272K$272K |
| Unbacked Noncurrent Loans | Q4 2024vs Q4 2023 | $0$0 |
| Real Estate Owned | Q4 2024vs Q4 2023 | $0$0 |