Citizens Federal Savings & Loan Association

Bellefontaine, OH

Rating Date

October 2025

Risk Based
Capital Ratio

Leverage
Ratio

Return On
Assets

Total
Assets

Capital

Total
Deposits

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Weiss Ratings	Citizens Federal Savings & Loan Association Bellefontaine, OH	Click to Compare	Click to Compare	Click to Compare
Rating	C
Asset Quality Index	9.80
Capitalization Index	9.40
Liquidity Index	0.60
Profitability Index	1.50
Stability Index	5.20

Company Info	Citizens Federal Savings & Loan Association Bellefontaine, OH	Click to Compare	Click to Compare	Click to Compare
FDIC Number	28060
Phone Number	(937) 593-0015
Website	www.citizensfederalsl.com/

Asset Quality	Citizens Federal Savings & Loan Association Bellefontaine, OH	Click to Compare	Click to Compare	Click to Compare
1-Year Asset Growth	1.45%
5-Year Asset Growth	7.04%
5-Year Charge-Offs to Average Loans	0.00%
Charge-Offs to Average Loans	0.00%
Non-Performing Assets to Assets	0.00%
Non-Performing Loans to Capital	0.95%
Non-Performing Loans to Loans	0.00%

Balance Sheet	Citizens Federal Savings & Loan Association Bellefontaine, OH	Click to Compare	Click to Compare	Click to Compare
Total Assets	182.47M
Total Deposits	162.08M

Capital and Reserves	Citizens Federal Savings & Loan Association Bellefontaine, OH	Click to Compare	Click to Compare	Click to Compare
Capital	18.04M
Leverage Ratio	10.58
Loan Loss Reserves to Loans	0.21%
Risk-Based Capital Ratio	20.44

Liquidity	Citizens Federal Savings & Loan Association Bellefontaine, OH	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	33.58%
Liquidity Ratio	13.48%

Profitability	Citizens Federal Savings & Loan Association Bellefontaine, OH	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	0.17%
Net Income	304.00K
Net Interest Spread	2.28%
Operating Profit to Average Assets	0.36%
Overhead Efficiency Ratio	84.76%
Return on Assets	0.33%
Return on Equity	3.42%