Side-by-side · Q2 2026 data
Citizens Federal Savings and Loan Association vs Carrollton Federal Bank
Bank
Citizens Federal Savings and Loan Association
Covington, Kentucky · Under $100 million in assets
Metric by metric
| Measure | Citizens Federal Savings and Loan Association | Carrollton Federal Bank |
|---|---|---|
| TellerScore | 79 | 87 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 100 | 100 |
| Earnings | 30 | 49 (stronger) |
| Funding & liquidity | 52 | 82 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 63rd | 84th |
| Total assets | $41.9M | $43.6M |
| Deposits / shares | $28.1M | $37.1M |
| Capital ratio | 28.05% (stronger) | 15.71% |
| Problem loans | 0.00% | 0.00% |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 0.24% | 0.73% (stronger) |
| Loans ÷ deposits | 107.9% | 73.2% (stronger) |
| Uninsured deposits | 4.7% (stronger) | 19.8% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Carrollton Federal Bank has the higher TellerScore (87 vs 79). On the 5 directional measures above (where higher or lower is clearly better), Citizens Federal Savings and Loan Association leads on 2 and Carrollton Federal Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.