2. Citizens Federal Savings and Loan Association

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 140th largest bank in the state of Kentucky. It is also the 5,145th largest bank in the nation. It was established in 1886 and as of December of 2018, 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 Q4 2018

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 - YTD0.8%
Return on Equity - YTD2.94%
Annual Interest Income$1.5MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$37.0MM$37.3MM
LoansQ4 2018vs Q4 2017$23.0MM$22.2MM
DepositsQ4 2018vs Q4 2017$22.1MM$22.9MM
Equity CapitalQ4 2018vs Q4 2017$10.5MM$10.4MM
Loan Loss AllowanceQ4 2018vs Q4 2017$272.00K$272.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$24.00K$0
Real Estate OwnedQ4 2018vs Q4 2017$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
3.00%$1k-60 Month CD
2.75%$1k-30 Month CD
2.65%$1k-18 Month CD
2.65%$1k-36 Month CD
2.30%$1k-24 Month CD
2.25%$1k-11 Month CD
2.00%$1k-48 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
3.00%$500-60 Month IRA
2.75%$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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