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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 $0.3MQ2 2025Q2 2026
Deposit mix
99%Interest-bearing $27.8M1%Noninterest $0.3MQ2 2025Q2 2026

NIM

4.42%Q2 ’244.56%Q2 ’254.78%Q2 ’26+6%+22%

Non-interest income vs. expense

2.10%Q2 ’242.10%Q2 ’252.28%Q2 ’26+1%+9%

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 0.28%, up 24 bps year over year; NIM at 2.49%.
  • 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.

Financial Results

Return on Assets (quarter, annualized)

0.28%+24 bps YoY

Net Interest Margin (quarter, annualized)

2.49%+45 bps YoY

Efficiency Ratio (quarter, annualized)

89.69%-1,031 bps YoY

Tier 1 Leverage Ratio

28.05%+64 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.04%0.21%0.22%0.21%0.28%+24 bps
Return on Equity0.14%0.78%0.81%0.74%1.03%+88 bps
Net Interest Margin2.05%2.09%2.57%2.33%2.49%+45 bps
Efficiency Ratio100.00%89.78%84.56%99.18%89.69%-1,031 bps
Non-Interest Burden2.05%1.87%2.17%2.31%2.23%+19 bps
Growth
Asset Growth (YoY)1.09%-1.45%-0.26%-3.32%0.22%-87 bps
Loan Growth (YoY)-2.20%1.23%1.54%-1.62%-2.48%-29 bps
Deposit Growth (YoY)3.41%-0.45%0.81%-3.74%1.64%-177 bps
Asset Quality
Nonperforming Loans / Loans0.10%0.00%0.09%0.08%0.00%-10 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.87%0.85%0.85%0.88%0.89%+2 bps
Allowance Coverage of NPLs8.5xn/a9.7x10.5xn/an/a
Capital
Tier 1 Leverage Ratio27.41%27.58%27.81%28.07%28.05%+64 bps
Total Risk-Based Capital58.40%57.47%58.72%59.94%60.22%+182 bps
Equity / Assets26.83%26.88%27.67%27.85%27.03%+20 bps
Liquidity & Funding
Loans / Deposits113.46%115.93%119.43%115.95%108.86%-460 bps
Liquid Assets / Assets9.27%7.52%5.96%5.45%9.43%+16 bps
CRE / Total Capitaln/a17.41%13.65%15.93%n/an/a