Citizens Federal Savings and Loan Association (FDIC certificate #27841) is based in Covington, Kentucky. Its Q2 2026 call report shows $41.9M in total assets and $28.1M in deposits and 1 office.
Based on its Q2 2026 filing, Citizens Federal Savings and Loan Association scores 79/100, which we describe as strong. That is higher than 63% of 546 banks with under $100 million in assets. Among 120 banks headquartered in Kentucky, it ranks 30th. Its strongest component is capital cushion (100/100; 28.05%), and its lowest is earnings (30/100; 0.24%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 3 points (76 → 79), mostly because the earnings component improved by 10 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 74 |
| Q3 2024 | 74 |
| Q4 2024 | 76 |
| Q1 2025 | 76 |
| Q2 2025 | 76 |
| Q3 2025 | 77 |
| Q4 2025 | 77 |
| Q1 2026 | 77 |
| Q2 2026 | 79 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 28.27% |
| Q3 2024 | 27.49% |
| Q4 2024 | 27.69% |
| Q1 2025 | 27.80% |
| Q2 2025 | 27.41% |
| Q3 2025 | 27.58% |
| Q4 2025 | 27.81% |
| Q1 2026 | 28.07% |
| Q2 2026 | 28.05% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.11% |
| Q3 2024 | 0.11% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.10% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.09% |
| Q1 2026 | 0.08% |
| Q2 2026 | 0.00% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.12% |
| Q3 2024 | -0.13% |
| Q4 2024 | -0.12% |
| Q1 2025 | -0.06% |
| Q2 2025 | -0.01% |
| Q3 2025 | 0.06% |
| Q4 2025 | 0.10% |
| Q1 2026 | 0.21% |
| Q2 2026 | 0.24% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 79 | $41.9M | 28.05% | 0.00% | 0.24% | 107.9% |
| Q1 2026 | 77 | $40.6M | 28.07% | 0.08% | 0.21% | 114.9% |
| Q4 2025 | 77 | $40.9M | 27.81% | 0.09% | 0.10% | 118.4% |
| Q3 2025 | 77 | $42.0M | 27.58% | 0.00% | 0.06% | 115.0% |
| Q2 2025 | 76 | $41.8M | 27.41% | 0.10% | -0.01% | 112.5% |
| Q1 2025 | 76 | $42.0M | 27.80% | 0.00% | -0.06% | 112.5% |
| Q4 2024 | 76 | $41.0M | 27.69% | 0.00% | -0.12% | 117.5% |
| Q3 2024 | 74 | $42.6M | 27.49% | 0.11% | -0.13% | 113.0% |
| Q2 2024 | 74 | $41.3M | 28.27% | 0.11% | -0.12% | 118.9% |
546 peers · Under $100 million in assets
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Kentucky
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Federal Savings and Loan AssociationBank Morehead, KY | 54 out of 100, Below average | $41.3M | 25.6% | 3.07% | vs |
| Carrollton Federal BankBank Carrollton, KY | 87 out of 100, Very strong | $43.6M | 15.7% | 0.00% | vs |
| Cornerstone Community BankBank Owensboro, KY | 74 out of 100, Strong | $44.5M | 277.2% | 0.00% | vs |
| Pinnacle Bank, Inc.Bank Pikeville, KY | 67 out of 100, Moderate | $57.9M | 15.7% | 1.74% | vs |
| Home Savings Bank, FSBBank Ludlow, KY | 25 out of 100, Low | $25.7M | 10.2% | 7.46% | vs |
| Blue Grass Federal Savings and Loan AssociationBank Paris, KY | 79 out of 100, Strong | $58.5M | 15.9% | 0.00% | vs |
Deposit insurance
Is my money safe at Citizens Federal Savings and Loan Association?
Yes. Citizens Federal Savings and Loan Association is an FDIC-insured institution (FDIC certificate #27841). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 4.7% of deposits ($1.3M) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 28.05%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 60.22% (benchmark: 10%).
1 location
Branches
Citizens Federal Savings and Loan Association lists 1 office in 1 city. Most locations:
- Covington, KY (1)
Identity & history
Profile
- Legal name
- Citizens Federal Savings and Loan Association
- Type
- Savings bank
- FDIC certificate #
- 27841
- RSSD ID
- 673477
- Primary regulator
- OCC
- Established
- January 1, 1886
- Headquarters
- 433 Madison Ave, Covington, KY 41011
- Website
- www.citizens-federal.com
- Employees
- 4
Quick answers
Citizens Federal Savings and Loan Association: common questions
Is Citizens Federal Savings and Loan Association FDIC insured?
Yes. Citizens Federal Savings and Loan Association is an FDIC-insured institution (FDIC certificate #27841). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Citizens Federal Savings and Loan Association's TellerScore?
79 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Citizens Federal Savings and Loan Association ever failed?
There is no failure record for FDIC certificate #27841 in the FDIC failed bank list.
How many branches does Citizens Federal Savings and Loan Association have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Covington
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Superior Credit Union, IncCredit union Lima, OH | 94 out of 100, Very strong | $2.0B | 15.2% | 0.20% | vs |
| Cincinnati Interagency Federal Credit UnionCredit union Cincinnati, OH | 92 out of 100, Very strong | $30.8M | 18.2% | 0.82% | vs |
| Children'S Medical Center Federal Credit UnionCredit union Cincinnati, OH | 91 out of 100, Very strong | $46.8M | 20.3% | 0.52% | vs |
| Northern Kentucky Federal Credit UnionCredit union Highland Height, KY | 91 out of 100, Very strong | $43.1M | 14.0% | 0.29% | vs |
| Deca Credit UnionCredit union Cincinnati, OH | 90 out of 100, Very strong | $7.6M | 18.9% | 0.45% | vs |
| St. James Parish Credit UnionCredit union Cincinnati, OH | 90 out of 100, Very strong | $5.9M | 21.8% | 0.00% | vs |