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
Unfavorable gap of $934K · efficiency ratio beats 20% of banks under $1B in assets in the Cincinnati, OH-KY-IN area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.24% | 0.35% | 0.56% | 1.05% | Beats 13% | 13 / 15 | | |
| Return on Equity | 0.88% | 1.73% | 4.99% | 6.76% | Beats 13% | 13 / 15 | | |
| Net Interest Margin | 2.41% | 2.85% | 3.21% | 3.42% | Beats 7% | 14 / 15 | | |
| Efficiency Ratio | 94.28% | 64.82% | 75.45% | 88.43% | Beats 20% | 13 / 15 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.12% | 0.43% | 1.30% | Beats 100% | 1 / 15 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.00% | Beats 100% | 8 / 15 | | |
| Capital |
| Tier 1 Capital Ratio | 58.97% | 13.11% | 14.76% | 20.06% | Beats 93% | 1 / 15 | | |
| Total Risk-Based Capital Ratio | 60.22% | 14.37% | 15.36% | 20.06% | Beats 93% | 1 / 15 | | |
| Equity / Assets | 27.03% | 10.14% | 11.33% | 20.42% | Beats 87% | 2 / 15 | | |
| Liquidity & Funding |
| Loans / Deposits | 108.86% | 80.04% | 97.18% | 103.56% | 80th pctl | 3 / 15 | | |
| Loans / Assets | 72.95% | 68.16% | 75.18% | 82.63% | 33rd pctl | 10 / 15 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |