Citizens Federal Savings & Loan Association
Bellefontaine, OH · Cert 28060 · Peer group: banks under $1B in assets in OH (n=68-71)
State savings bank · OCC · 1 branch
Q2 2026
$186.1MAssets
$147.2MLoans
$161.3MDeposits
$19.3MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in OH (rank 26 of 68).
- Widest gap: net interest margin trails 90% of banks under $1B in assets in OH (rank 64 of 71).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.45%
Rank 62 of 71
Net Interest Margin
2.50%
Rank 64 of 71
Efficiency Ratio
81.33%
Rank 56 of 71
Equity / Assets
10.39%
Rank 37 of 71
Non-interest income vs. expense
Unfavorable gap of $3.7M · efficiency ratio beats 23% of banks under $1B in assets in OH | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.45% | 0.62% | 1.02% | 1.39% | Beats 13% | 62 / 71 | |
| Return on Equity | 4.35% | 5.62% | 10.07% | 13.60% | Beats 15% | 60 / 71 | |
| Net Interest Margin | 2.50% | 2.93% | 3.56% | 4.07% | Beats 10% | 64 / 71 | |
| Efficiency Ratio | 81.33% | 55.94% | 70.77% | 78.80% | Beats 23% | 56 / 71 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.03% | 0.08% | 0.27% | 0.97% | Beats 79% | 15 / 68 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.05% | Beats 100% | 26 / 68 | |
| Capital |
| Tier 1 Capital Ratio | 20.15% | 11.18% | 13.77% | 20.34% | Beats 73% | 19 / 71 | |
| Total Risk-Based Capital Ratio | 20.45% | 12.08% | 14.34% | 21.24% | Beats 73% | 19 / 71 | |
| Equity / Assets | 10.39% | 8.41% | 10.74% | 13.32% | Beats 48% | 37 / 71 | |
| Liquidity & Funding |
| Loans / Deposits | 91.27% | 64.48% | 76.81% | 87.49% | 81st pctl | 13 / 68 | |
| Loans / Assets | 79.10% | 55.33% | 65.58% | 72.51% | 83rd pctl | 12 / 71 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |