FDIC Cert #28060 · Bellefontaine, Ohio · Est. 1885

Citizens Federal Savings and Loan Association - FDIC Bank Health Profile

A community-scale look at Citizens Federal Savings and Loan Association's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$185M
Total assets
B
Health grade · Good
0.40%
Return on assets
20.2%
Tier 1 capital

Data updated July 2026

The verdict

Citizens Federal Savings and Loan Association earns a PlainBankData health grade of B (67/100), with well-capitalized at 20.22% Tier 1, 0.40% ROA, 82% efficiency ratio.

#3,124
largest of 4,313 FDIC banks by assets
28th
percentile by asset size, nationally
20.22%
Tier 1 ratio - above the 10% well-capitalized line
13th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 28060 · OH B · 67/100

GRADE-B · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-MID · BOOK-FULL

  • GRADE-B B (67/100)
  • LOWER-Q #3248/4307
  • PHOTO-FINISH Collinsville Buildin… · IL
  • TIER1-WELL 20.2% Tier 1
  • TEXAS-CLEAN 0.6% Texas
  • ROA-THIN 0.40% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Ohio: Collinsville Building and Loan Association, IL (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Citizens Federal Savings and Loan Ass…

Lowest and highest poles plus nearest scored peers outside Ohio, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Central Savings, f.s… · IL ·…67/100Citizens Federal Sav… · OH ·…67/100Collinsville Buildin… · IL ·…67/100Profile Bank · NH · near67/100Winter Hill Bank, FSB · MA ·…67/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Citizens Federal Savings and Loan Ass… · July 2026

Call Report read for Citizens Federal Savings and Loan Ass… in a high-failure state

Citizens Federal Savings and Loan Association (FDIC Cert #28060) carries a PlainBankData health grade of B at 67/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,248 of 4,307. Tier 1 capital prints at 20.22%, clearing the 10% well-capitalized line. The Texas Ratio is 0.56%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.40%. Balance-sheet scale is $185M, 3,124th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Collinsville Building and Loan Association (IL), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Citizens Federal Savings and Loan Ass…

9 FAILURE resolutions in Ohio since 2000, heavy vs the state corpus

Citizens Federal Savings and Loan Association sits in one of the heavier post-2000 FAILURE states (9 resolutions; latest year 2019). The list below is state history from the Failed Bank List, not a claim about Citizens Federal Savings and Loan Association's current Call Report.

  • RESOLUTE BANK MAUMEE, OH 2019 → BUCKEYE STATE BANK
  • COLUMBIA SAVINGS BANK CINCINNATI, OH 2014 → UNITED FIDELITY BANK, FSB
  • BRAMBLE SAVINGS BANK MILFORD, OH 2010 → FOUNDATION BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Ohio banks.

How Citizens Federal Savings and Loan Association's 67/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10067/100
Citizens Federal Savings and Loan Association's composite health score
Tier 1 Capital Ratio (20.22%) 40/40
Return on Assets (ROA) (0.40%) 7/25
Texas Ratio (0.56%) 20/20
Efficiency Ratio (82.22%) 0/15

67 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$185M

Total balance-sheet footings

Total Deposits

$165M

Customer-funded liabilities

Net Loans

$145M

Outstanding loan book

Net Income

$734K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 5% 10% 15% 20% 25% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 18.82% 20.22% 21.62%
Basel III capital ratios - Citizens Federal Savings and Loan Association

Where Citizens Federal Savings and Loan Association ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Citizens Federal Savings and Loan Association's score of 67/100 falls in the highlighted band.

Citizens Federal Savings and Loan Association: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

67 25th percentile higher than 25% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Citizens Federal Savings and Loan Ass… 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Citizens Federal Savings and Loan Association's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Citizens Federal Savings and Loan Association's $185M falls in the highlighted band.

Capital & credit buffers at Citizens Federal Savings and Loan Ass…

Tier 1 capital ratio
Well-capitalized 10%

20.22% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
20.22%
Texas Ratio
0.56%
Equity Capital
$19M

What these ratios mean →

Profitability metrics: Citizens Federal Savings and Loan Ass…

Return on Assets (ROA)
13th percentile nationally
0.40%
Return on Equity (ROE)
4.03%
Efficiency Ratio
82.22%

What these mean →

Income & expense at Citizens Federal Savings and Loan Ass…

$8M
Interest Income
$492K
Non-Interest Income
$4M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Citizens Federal Savings and Loan Association reports a Texas Ratio of 0.56% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.56% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Citizens Federal Savings and Loan Association on FDIC BankFind →

Top banks in Ohio by total assets

Largest banks headquartered in Ohio
  1. 1
    JPMorgan Chase Bank $3.75T

    Columbus, OH · Grade A

  2. 2
    U.S. Bank $676.1B

    Cincinnati, OH · Grade A

  3. 3
    The Huntington National Bank $224.0B

    Columbus, OH · Grade A

  4. 4
    Fifth Third Bank $213.7B

    Cincinnati, OH · Grade A

  5. 5
    KeyBank $181.7B

    Cleveland, OH · Grade A

Top 5 banks in Ohio ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($185M here), outside Ohio so the neighborhood is not state containment.

Farmers and Miners Bank $185M · VA The First National Bank in Tremont $184M · IL First State Bank of Ben Wheeler, Texas $184M · TX Home Bank and Trust Company $185M · KS

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Citizens Federal Savings and Loan Association (FDIC Cert #28060) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Citizens Federal Savings and Loan Association Call Report profile · FDIC Failed Bank List · Ohio FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Ohio

All Ohio banks →
BankAssetsGradeROA
JPMorgan Chase Bank, National AssociationColumbus $3.75T A 1.34%
U.S. Bank National AssociationCincinnati $676.1B A 1.18%
The Huntington National BankColumbus $224.0B A 1.20%
Fifth Third Bank, National AssociationCincinnati $213.7B A 1.34%
KeyBank National AssociationCleveland $181.7B A 1.17%
First Financial BankCincinnati $21.0B A 1.53%
Third Federal Savings and Loan Association of ClevelandCleveland $17.5B A 0.51%
The Park National BankNewark $9.7B A 1.90%