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Citizens Federal Savings and Loan Association of Covington

Covington, KY · Cert 27841

State savings bank · OCC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Cincinnati, OH-KY-IN area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in the Cincinnati, OH-KY-IN area (n=15). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

91

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

11

Q2 2024Q2 2026peer median (50)

Liquidity

45

Q2 2024Q2 2026peer median

Efficiency

20

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Citizens Federal Savings and Loan Association of Covington

Covington, KY · Cert 27841

State savings bank · OCC · 1 branch

Q2 2026

$41.9MAssets
$30.5MLoans
$28.1MDeposits
$11.3MEquity
Loan mix
99%RE $30.8M0%C&I $0.0M1%Consumer $0.3MQ3 2024Q2 2026
Deposit mix
99%Interest-bearing $27.8M1%Noninterest $0.3MQ3 2024Q2 2026

Market Position · Cincinnati, OH-KY-IN · 2026 SOD (annual) · 0.0% share · #45 of 54 inst. · $0.0B of $187.5B

Executive Summary

  • Earnings: ROA of 0.24%, up 25 bps year over year; NIM at 2.41%.
  • Asset quality: problem loans at 0.00% of loans (-10 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 28.05%, up 64 bps from a year ago.
  • Funding: loans stand at 108.86% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.24%+25 bps YoY

Net Interest Margin (YTD, annualized)

2.41%+36 bps YoY

Efficiency Ratio (YTD, annualized)

94.28%-527 bps YoY

Tier 1 Leverage Ratio

28.05%+64 bps YoY

NIM

4.34%Q2 ’244.58%Q2 ’254.69%Q2 ’26+2%+18%

Non-interest income vs. expense

2.15%Q2 ’242.10%Q2 ’252.32%Q2 ’26-2%+11%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.13%-0.12%-0.06%-0.01%0.06%0.10%0.21%0.24%+25 bps
Return on Equity-0.48%-0.45%-0.22%-0.04%0.24%0.38%0.74%0.88%+92 bps
Net Interest Margin1.86%1.90%2.08%2.05%2.07%2.20%2.33%2.41%+36 bps
Efficiency Ratio107.30%104.92%99.09%99.55%96.24%92.85%99.18%94.28%-527 bps
Non-Interest Burden2.00%1.99%2.06%2.04%1.99%2.04%2.31%2.27%+23 bps
Growth
Asset Growth (YoY)8.27%2.54%2.70%1.09%-1.45%-0.26%-3.32%0.22%-87 bps
Loan Growth (YoY)9.44%3.79%2.47%-2.20%1.23%1.54%-1.62%-2.48%-29 bps
Deposit Growth (YoY)10.46%6.92%6.25%3.41%-0.45%0.81%-3.74%1.64%-177 bps
Asset Quality
Nonperforming Loans / Loans0.11%0.00%0.00%0.10%0.00%0.09%0.08%0.00%-10 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.86%0.86%0.86%0.87%0.85%0.85%0.88%0.89%+2 bps
Allowance Coverage of NPLs7.6xn/an/a8.5xn/a9.7x10.5xn/an/a
Capital
Tier 1 Leverage Ratio27.49%27.69%27.80%27.41%27.58%27.81%28.07%28.05%+64 bps
Total Risk-Based Capital57.16%59.02%58.42%58.40%57.47%58.72%59.94%60.22%+182 bps
Equity / Assets26.25%27.08%26.56%26.83%26.88%27.67%27.85%27.03%+20 bps
Liquidity & Funding
Loans / Deposits114.01%118.57%113.45%113.46%115.93%119.43%115.95%108.86%-460 bps
Liquid Assets / Assets11.49%10.15%10.59%9.27%7.52%5.96%5.45%9.43%+16 bps
CRE / Total Capitaln/an/an/an/a17.41%13.65%15.93%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Citizens Federal Savings and Loan Association of Covington

Covington, KY · Cert 27841 · Peer group: banks under $1B in assets in the Cincinnati, OH-KY-IN area (n=15)

State savings bank · OCC · 1 branch

Q2 2026

$41.9MAssets
$30.5MLoans
$28.1MDeposits
$11.3MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in the Cincinnati, OH-KY-IN area (rank 1 of 15).
  • Widest gap: net interest margin trails 93% of banks under $1B in assets in the Cincinnati, OH-KY-IN area (rank 14 of 15).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.24%

Rank 13 of 15

Net Interest Margin

2.41%

Rank 14 of 15

Efficiency Ratio

94.28%

Rank 13 of 15

Equity / Assets

27.03%

Rank 2 of 15

Non-interest income vs. expense

$22K$956KINCOMEEXPENSE
Unfavorable gap of $934K · efficiency ratio beats 20% of banks under $1B in assets in the Cincinnati, OH-KY-IN area
Bank 94.28%Peer median 75.5%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.24%0.35%0.56%1.05%Beats 13%13 / 15
Return on Equity0.88%1.73%4.99%6.76%Beats 13%13 / 15
Net Interest Margin2.41%2.85%3.21%3.42%Beats 7%14 / 15
Efficiency Ratio94.28%64.82%75.45%88.43%Beats 20%13 / 15
Asset Quality
Nonperforming Loans / Loans0.00%0.12%0.43%1.30%Beats 100%1 / 15
Net Charge-Offs / Loans0.00%n/a0.00%0.00%Beats 100%8 / 15
Capital
Tier 1 Capital Ratio58.97%13.11%14.76%20.06%Beats 93%1 / 15
Total Risk-Based Capital Ratio60.22%14.37%15.36%20.06%Beats 93%1 / 15
Equity / Assets27.03%10.14%11.33%20.42%Beats 87%2 / 15
Liquidity & Funding
Loans / Deposits108.86%80.04%97.18%103.56%80th pctl3 / 15
Loans / Assets72.95%68.16%75.18%82.63%33rd pctl10 / 15
Brokered Deposits / Depositsn/aNot reported for this institution