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Citizens Federal Savings And Loan Association
Covington, KY · FDIC Certificate #27841 · Chartered 01/0
Total assets
$41.86M
Total deposits
$28.06M
Total equity
$11.32M
Net loans
$30.27M
Branches (offices)
1
Net income (YTD)
$50.00K
Rank: #4,088 of 4,213 U.S. banks by assets · #117 of 120 in Kentucky. Assets changed 0.2% and deposits 1.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.24% |
| Return on equity | 0.88% |
| Net interest margin (YTD) | 2.45% |
| Equity to assets | 27.03% |
| Tier 1 leverage ratio | 28.05% |
| Uninsured deposits (share of deposits) | 4.7% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 107.9% |
| Real estate loans (share of loans) | 100.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $30.48M | 100.7% | |
| Commercial & industrial | $0 | 0.0% | |
| Consumer / individual | $60.00K | 0.2% | |
| Construction & development | $665.00K | 2.2% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $40.37M | $25.60M | $122.00K | $10.92M |
| Jun 2023 | $39.27M | $25.12M | $29.00K | $10.91M |
| Jun 2024 | $41.32M | $26.69M | -$25.00K | $11.05M |
| Jun 2025 | $41.77M | $27.60M | -$2.00K | $11.21M |
| Jun 2026 | $41.86M | $28.06M | $50.00K | $11.32M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kentucky | $28.06M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $28.06M.
Similar-sized banks
The Bank Of San Jacinto County, Coldspring, Texas ($41.95M) · North Side Federal Savings And Loan Association Of Chicago ($41.82M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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