Total Assets
$41M
Total balance-sheet footings
FDIC Cert #27841 · Covington, Kentucky · Est. 1886
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.
- $41M
- Total assets
- B
- Health grade · Good
- 0.10%
- Return on assets
- 57.5%
- 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 57.47% Tier 1, 0.10% ROA, 93% efficiency ratio.
- #4,182
- largest of 4,313 FDIC banks by assets
- 3rd
- percentile by asset size, nationally
- 57.47%
- Tier 1 ratio - above the 10% well-capitalized line
- 6th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
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.
Citizens Federal Savings and Loan Association's composite health score
Tier 1 Capital Ratio (57.47%) 40/40
Return on Assets (ROA) (0.10%) 7/25
Texas Ratio (0.24%) 20/20
Efficiency Ratio (92.85%) 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 Deposits
$27M
Customer-funded liabilities
Net Loans
$32M
Outstanding loan book
Net Income
$43K
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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 $41M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
57.47% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
57.47%
Texas Ratio
0.24%
Equity Capital
$11M
Profitability metrics
Return on Assets (ROA)
6th percentile nationally
0.10%
Return on Equity (ROE)
0.38%
Efficiency Ratio
92.85%
What the numbers say about Citizens Federal Savings and Loan Association
Citizens Federal Savings and Loan Association is an FDIC-insured institution (Certificate #27841) headquartered in Covington, Kentucky, established in 1886. It holds $41M in total assets - 4,182nd of 4,313 FDIC-insured banks, $27M in customer deposits, and $32M in net loans. Capital-wise, the Tier 1 ratio sits at 57.47%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 0.24%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of B (67 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Citizens Federal Savings and Loan Association is a community-scale institution -- 116th of 120 FDIC-insured banks headquartered in Kentucky by asset size. Its modest footprint doesn't diminish its role: community banks this size are typically the primary lender for small local businesses and agricultural borrowers that larger regional banks tend to underserve.
Income & expense breakdown
$2M
Interest Income
$25K
Non-Interest Income
$870K
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 0.24% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.24% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Kentucky by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Citizens Federal Savings and Loan Association (FDIC Cert #27841) - 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.
Other banks in Kentucky
All Kentucky banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Stock Yards Bank & Trust CompanyLouisville | $9.5B | A | 1.57% |
| Republic Bank & Trust CompanyLouisville | $7.0B | A | 1.89% |
| Community Trust Bank, Inc.Pikeville | $6.6B | A | 1.50% |
| Central Bank & Trust Co.Lexington | $3.9B | B | 1.16% |
| Independence Bank of KentuckyOwensboro | $3.8B | B | 0.80% |
| Traditional Bank, Inc.Mount Sterling | $2.5B | B | 0.80% |
| Heritage Bank, Inc.Burlington | $2.1B | B | 1.08% |
| South Central Bank, Inc.Glasgow | $2.1B | A | 1.25% |
Frequently asked questions
What is Citizens Federal Savings and Loan Association's health grade?▼
Citizens Federal Savings and Loan Association receives a health grade of B (67/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Citizens Federal Savings and Loan Association?▼
Citizens Federal Savings and Loan Association holds $41M in total assets and $27M in deposits, ranking 4,182nd of 4,313 FDIC-insured banks by asset size. It is headquartered in Covington, Kentucky.
Is my money safe at Citizens Federal Savings and Loan Association?▼
Yes, deposits at Citizens Federal Savings and Loan Association (Certificate #27841) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Citizens Federal Savings and Loan Association's Tier 1 Capital Ratio?▼
Citizens Federal Savings and Loan Association has a Tier 1 Capital Ratio of 57.47%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Citizens Federal Savings and Loan Association?▼
Citizens Federal Savings and Loan Association has a Texas Ratio of 0.24%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Citizens Federal Savings and Loan Association?▼
Citizens Federal Savings and Loan Association has an Efficiency Ratio of 92.85%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Citizens Federal Savings and Loan Association's profile as a depositor or analyst.
- Citizens Federal Savings and Loan Association's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Citizens Federal Savings and Loan Association against other Kentucky banks before moving funds. Kentucky banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.