C
Citizens Federal Savings & Loan Association
Rating Date
March 2026
Risk Based
Capital Ratio
20.52
Leverage
Ratio
10.85
Return On
Assets
0.40%
Total
Assets
184.60M
Capital
19.04M
Total
Deposits
165.13M
Net
Income
734.00K
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Weiss Ratings Citizens Federal Savings & Loan Association
Bellefontaine, OH 		Click to
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Rating C
Asset Quality Index 9.70
Capitalization Index 9.80
Liquidity Index 0.50
Profitability Index 2.40
Stability Index 5.30
Company Info Citizens Federal Savings & Loan Association
Bellefontaine, OH 		Click to
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FDIC Number 28060
Phone Number (937) 593-0015
Website www.citizensfederalsl.com/
Asset Quality Citizens Federal Savings & Loan Association
Bellefontaine, OH 		Click to
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1-Year Asset Growth -0.29%
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 0.53%
Non-Performing Loans to Loans 0.00%
Balance Sheet Citizens Federal Savings & Loan Association
Bellefontaine, OH 		Click to
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Total Assets 184.60M
Total Deposits 165.13M
Capital and Reserves Citizens Federal Savings & Loan Association
Bellefontaine, OH 		Click to
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Capital 19.04M
Leverage Ratio 10.85
Loan Loss Reserves to Loans 0.21%
Risk-Based Capital Ratio 20.52
Liquidity Citizens Federal Savings & Loan Association
Bellefontaine, OH 		Click to
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Hot Money Ratio 34.90%
Liquidity Ratio 13.06%
Profitability Citizens Federal Savings & Loan Association
Bellefontaine, OH 		Click to
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5-Year Return on Average Assets 0.17%
Net Income 734.00K
Net Interest Spread 2.36%
Operating Profit to Average Assets 0.45%
Overhead Efficiency Ratio 82.22%
Return on Assets 0.40%
Return on Equity 4.04%