What is Citizens Federal Savings and Loan Association's financial health grade?

Citizens Federal Savings and Loan Association has a TFS Financial Health Grade of C (score: 73.9/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Citizens Federal Savings and Loan Association have?

Citizens Federal Savings and Loan Association has 1 branch location across the United States.

Is Citizens Federal Savings and Loan Association FDIC insured?

Yes, Citizens Federal Savings and Loan Association is FDIC insured (Certificate #28060).

What are the total assets of Citizens Federal Savings and Loan Association?

Citizens Federal Savings and Loan Association has total assets of $184.6M as reported in its most recent FDIC filing.

Citizens Federal Savings and Loan Association

BankBellefontaine, Ohio

WWW.CITIZENSFEDERALSL.COM

Total Assets

$184.6M

Total Deposits

$165.1M

Branches

Established

1885

TFS Health Grade

73.9 / 100

Average financial health

How we grade

Citizens Federal Savings and Loan Association is a bank headquartered in Bellefontaine, Ohio, established in 1885. With $184.6M in total assets and 1 branch locations, it has a TFS Financial Health Grade of C (73.9/100).

Capital & Safety

Tier 1 Capital Ratio

10.85%(8%)

Total Capital Ratio

20.52%(10%)

Non-Performing Loan Ratio

0.07%

Profitability

Return on Assets (ROA)

0.40%(1%)

Return on Equity (ROE)

4.03%(10%)

Net Interest Margin

2.33%

Efficiency Ratio

82.22%(60%)

Lending & Liquidity

Total Loans

$144.8M

Loan-to-Deposit Ratio

87.52%

Net Charge-Off Ratio

0.00%

Growth

Asset Growth (YoY)

-0.29%

Deposit Growth (YoY)

-1.30%

Net Income

$734.0K

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
Citizens Federal Savings and Loan AssociationHQ	100 N. Main St	Bellefontaine	OH	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.