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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 $0.3MQ3 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