Citizens Federal Savings and Loan Association (FDIC certificate #28060) is based in Bellefontaine, Ohio. Its Q2 2026 call report shows $186.1M in total assets and $161.3M in deposits and 1 office.
Based on its Q2 2026 filing, Citizens Federal Savings and Loan Association scores 70/100, which we describe as strong. That is higher than only 43% of 2,650 banks with $100 million – $1 billion. Among 157 banks headquartered in Ohio, it ranks 82nd. Its strongest component is problem-loan coverage (100/100; 0.2%), and its lowest is earnings (38/100; 0.45%).
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 2 points (68 → 70), mostly because the earnings component improved by 5 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 65 |
| Q3 2024 | 66 |
| Q4 2024 | 66 |
| Q1 2025 | 68 |
| Q2 2025 | 68 |
| Q3 2025 | 69 |
| Q4 2025 | 70 |
| Q1 2026 | 69 |
| Q2 2026 | 70 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.68% |
| Q3 2024 | 10.58% |
| Q4 2024 | 10.55% |
| Q1 2025 | 10.43% |
| Q2 2025 | 10.58% |
| Q3 2025 | 10.71% |
| Q4 2025 | 10.85% |
| Q1 2026 | 10.80% |
| Q2 2026 | 10.90% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.11% |
| Q3 2024 | 0.06% |
| Q4 2024 | 0.05% |
| Q1 2025 | 0.05% |
| Q2 2025 | 0.13% |
| Q3 2025 | 0.05% |
| Q4 2025 | 0.07% |
| Q1 2026 | 0.08% |
| Q2 2026 | 0.03% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.11% |
| Q3 2024 | -0.09% |
| Q4 2024 | -0.03% |
| Q1 2025 | 0.28% |
| Q2 2025 | 0.33% |
| Q3 2025 | 0.36% |
| Q4 2025 | 0.40% |
| Q1 2026 | 0.35% |
| Q2 2026 | 0.45% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 70 | $186.1M | 10.90% | 0.03% | 0.45% | 91.1% |
| Q1 2026 | 69 | $186.6M | 10.80% | 0.08% | 0.35% | 88.1% |
| Q4 2025 | 70 | $184.6M | 10.85% | 0.07% | 0.40% | 87.5% |
| Q3 2025 | 69 | $180.0M | 10.71% | 0.05% | 0.36% | 88.2% |
| Q2 2025 | 68 | $182.5M | 10.58% | 0.13% | 0.33% | 87.6% |
| Q1 2025 | 68 | $183.7M | 10.43% | 0.05% | 0.28% | 85.7% |
| Q4 2024 | 66 | $185.1M | 10.55% | 0.05% | -0.03% | 84.9% |
| Q3 2024 | 66 | $184.4M | 10.58% | 0.06% | -0.09% | 85.1% |
| Q2 2024 | 65 | $179.9M | 10.68% | 0.11% | -0.11% | 86.4% |
2,650 peers · $100 million – $1 billion
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 Ohio
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Valley Central BankBank Liberty Township, OH | 62 out of 100, Moderate | $186.7M | 20.1% | 2.17% | vs |
| Farmers State BankBank West Salem, OH | 72 out of 100, Strong | $187.5M | 9.3% | 0.00% | vs |
| The Peoples Savings BankBank Urbana, OH | 57 out of 100, Moderate | $189.3M | 9.0% | 0.87% | vs |
| Independence BankBank Independence, OH | 81 out of 100, Strong | $191.2M | 14.5% | 0.26% | vs |
| The Cincinnatus Savings & Loan Co.Bank Cincinnati, OH | 84 out of 100, Strong | $193.1M | 15.3% | 0.26% | vs |
| Mercer Savings BankBank Celina, OH | 78 out of 100, Strong | $176.2M | 13.2% | 0.08% | 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 #28060). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 16.6% of deposits ($26.8M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.90%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 20.45% (benchmark: 10%).
1 location
Branches
Citizens Federal Savings and Loan Association lists 1 office in 1 city. Most locations:
Identity & history
Profile
- Legal name
- Citizens Federal Savings and Loan Association
- Type
- Savings bank
- FDIC certificate #
- 28060
- RSSD ID
- 647777
- Primary regulator
- OCC
- Established
- January 1, 1885
- Headquarters
- 100 N. Main St, Bellefontaine, OH 43311
- Website
- www.citizensfederalsl.com
- Employees
- 25
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 #28060). 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?
70 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 #28060 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 Bellefontaine
| 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 |
| M G Employees Federal Credit UnionCredit union Marysville, OH | 89 out of 100, Very strong | $2.1M | 37.0% | 0.00% | vs |
| The First Central National Bank of St. ParisBank St. Paris, OH | 87 out of 100, Very strong | $97.0M | 18.9% | 0.02% | vs |
| The Mt. Victory State BankBank Mount Victory, OH | 80 out of 100, Strong | $23.4M | 10.4% | 0.00% | vs |
| Minster BankBank Minster, OH | 79 out of 100, Strong | $811.6M | 10.1% | 0.14% | vs |
| Civista BankBank Sandusky, OH | 75 out of 100, Strong | $4.3B | 12.7% | 0.92% | vs |