C
Citizens Federal Savings & Loan Association
Rating Date
August 2026
Risk Based
Capital Ratio
20.45
Leverage
Ratio
10.90
Return On
Assets
0.45%
Total
Assets
186.14M
Capital
19.34M
Total
Deposits
161.32M
Net
Income
421.00K
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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 9.90
Liquidity Index 0.60
Profitability Index 2.30
Stability Index 5.50
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 2.01%
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 0.24%
Non-Performing Loans to Loans 0.00%
Balance Sheet Citizens Federal Savings & Loan Association
Bellefontaine, OH 		Click to
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Total Assets 186.14M
Total Deposits 161.32M
Capital and Reserves Citizens Federal Savings & Loan Association
Bellefontaine, OH 		Click to
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Capital 19.34M
Leverage Ratio 10.90
Loan Loss Reserves to Loans 0.20%
Risk-Based Capital Ratio 20.45
Liquidity Citizens Federal Savings & Loan Association
Bellefontaine, OH 		Click to
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Hot Money Ratio 32.90%
Liquidity Ratio 12.22%
Profitability Citizens Federal Savings & Loan Association
Bellefontaine, OH 		Click to
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5-Year Return on Average Assets 0.25%
Net Income 421.00K
Net Interest Spread 2.67%
Operating Profit to Average Assets 0.51%
Overhead Efficiency Ratio 81.33%
Return on Assets 0.45%
Return on Equity 4.41%