Citizens Federal Savings & Loan Association

Bellefontaine, OH

Rating Date

June 2026

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	9.70
Capitalization Index	9.70
Liquidity Index	0.60
Profitability Index	2.00
Stability Index	5.50

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	1.57%
5-Year Asset Growth	2.85%
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	0.57%
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	186.59M
Total Deposits	165.29M

Capital and Reserves	Citizens Federal Savings & Loan Association Bellefontaine, OH	Click to Compare	Click to Compare	Click to Compare
Capital	18.96M
Leverage Ratio	10.80
Loan Loss Reserves to Loans	0.21%
Risk-Based Capital Ratio	20.38

Liquidity	Citizens Federal Savings & Loan Association Bellefontaine, OH	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	32.89%
Liquidity Ratio	13.54%

Profitability	Citizens Federal Savings & Loan Association Bellefontaine, OH	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	0.25%
Net Income	163.00K
Net Interest Spread	2.64%
Operating Profit to Average Assets	0.38%
Overhead Efficiency Ratio	85.42%
Return on Assets	0.35%
Return on Equity	3.43%