Citizens Federal Savings & Loan Association
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.7 on a scale of 0 to 10).
Other Rating Factors:
A current level of 0.4 percent of nonperforming loans to core capital combined with 0.4 percent from a year earlier contributes to the Excellent asset quality (9.8). Excellent current capitalization (9.3 on a scale of 0 to 10) based on a risk-based capital ratio of 20.4 and a capital leverage ratio of 10.6.
Asset Mix:
Home mtgs (60%), securities (15%), comm re (8%), cash (5%), home eq lns (4%), other (7%)
States with Branches:
OH
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Investment Rating
--
Address
110 North Main Street
Bellefontaine, OH 43311
Bellefontaine, OH 43311
Phone Number
(937) 593-0015
Year Founded
1885
FDIC Number
Largest Affiliates
No affiliate information available.