Citizens Federal Savings and Loan Association of Covington

Covington, KY

Rating Date

June 2026

Risk Based
Capital Ratio

Leverage
Ratio

Return On
Assets

Total
Assets

Capital

Total
Deposits

Net
Income

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Weiss Ratings	Citizens Federal Savings and Loan Association of Covington Covington, KY	Click to Compare	Click to Compare	Click to Compare
Rating	C
Asset Quality Index	9.90
Capitalization Index	10.00
Liquidity Index	0.50
Profitability Index	1.40
Stability Index	6.60

Company Info	Citizens Federal Savings and Loan Association of Covington Covington, KY	Click to Compare	Click to Compare	Click to Compare
FDIC Number	27841
Phone Number	(859) 431-0087
Website	www.citizens-federal.com

Asset Quality	Citizens Federal Savings and Loan Association of Covington Covington, KY	Click to Compare	Click to Compare	Click to Compare
1-Year Asset Growth	-3.32%
5-Year Asset Growth	-1.04%
5-Year Charge-Offs to Average Loans	0.00%
Charge-Offs to Average Loans	0.00%
Non-Performing Assets to Assets	0.06%
Non-Performing Loans to Capital	0.22%
Non-Performing Loans to Loans	0.08%

Balance Sheet	Citizens Federal Savings and Loan Association of Covington Covington, KY	Click to Compare	Click to Compare	Click to Compare
Total Assets	40.59M
Total Deposits	26.75M

Capital and Reserves	Citizens Federal Savings and Loan Association of Covington Covington, KY	Click to Compare	Click to Compare	Click to Compare
Capital	11.31M
Leverage Ratio	28.07
Loan Loss Reserves to Loans	0.88%
Risk-Based Capital Ratio	59.94

Liquidity	Citizens Federal Savings and Loan Association of Covington Covington, KY	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	33.64%
Liquidity Ratio	31.77%

Profitability	Citizens Federal Savings and Loan Association of Covington Covington, KY	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	0.17%
Net Income	21.00K
Net Interest Spread	2.37%
Operating Profit to Average Assets	0.03%
Overhead Efficiency Ratio	99.18%
Return on Assets	0.20%
Return on Equity	0.74%