This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Bank
Covington, KY
Health score
69.6
Total assets
$41.9M
Bank
Owensboro, KY
Health score
61.5
Total assets
$44.5M
Answer first
Citizens Federal Savings and Loan Association leads on financial health and profitability; Cornerstone Community Bank leads on capitalization. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
Citizens Federal Savings and Loan Association
Higher TFS health score
Capitalization
Cornerstone Community Bank
Higher comparable capital ratio
Profitability
Citizens Federal Savings and Loan Association
Higher return on assets
Lending quality
Too close to call
Lower problem-loan measure
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | Citizens Federal Savings and Loan Association | Cornerstone Community Bank |
|---|---|---|
| TFS health score | 69.6/100Leads | 61.5/100 |
| Total assets | $41.9M | $44.5M |
| Total deposits / shares | $28.1M | $19.9M |
| Tier 1 capital ratio | 28.05% | 277.16%Leads |
| Return on assets | 0.24%Leads | -0.34% |
| Return on equity | 0.88% |
Citizens Federal Savings and Loan Association
1 branches
Cornerstone Community Bank
0 branches
No shared branch states were found in the current TFS branch dataset.
Citizens Federal Savings and Loan Association
Unavailable
Cornerstone Community Bank
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
Citizens Federal Savings and Loan Association
0 in TFS registry
Cornerstone Community Bank
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | Citizens Federal Savings and Loan Association score | Citizens Federal Savings and Loan Association ROA | Cornerstone Community Bank score | Cornerstone Community Bank ROA |
|---|---|---|---|---|
| 2024-Q3 | — | -0.13% | — | — |
| 2024-Q4 | — | -0.12% | — | — |
| 2025-Q1 | — | -0.06% | — | — |
| 2025-Q2 | — | -0.01% | — | — |
| 2025-Q3 | — | 0.06% | — | — |
| 2025-Q4 | — | 0.10% | — | — |
| 2026-Q1 | 64.4/100 |
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Coverage boundaries
Related comparisons
Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Every valid pair is viewable; pairs enter search automatically only when current data, comparability, and visitor interest meet the publication rules.
| -0.61% |
| Non-performing loans | 0.00% | 0.00% |
| Net charge-offs | 0.00% | 0.00% |
| Efficiency ratio | 94.28%Leads | 171.43% |
| Loan-to-deposit ratio | 107.89% | 14.31% |
| Asset growth (YoY) | 0.22% | — |
| Deposit / share growth (YoY) | 1.64% | — |
| Branches | 1 | 0 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |
| 0.21% |
| — |
| — |
| 2026-Q2 | 69.6/100 | 0.24% | 61.5/100 | -0.34% |