BlastPoint's Banking Scorecard
Citizens Federal Savings and Loan Association
Micro
Specialty: Mortgage
KY
FDIC cert 27841
Designations: ✓ Community bank ✓ Mutual
Covington, KY
2498
banks in Micro tier nationally
83 in KY
View Micro leaderboard (KY) →
Citizens Federal Savings and Loan Association faces 6 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 0.98% below tier
- - Net Interest Margin 1.62% below tier
- - Efficiency Ratio 25.12% above tier
- - Loan-to-Deposit Ratio 43.90% above tier
- - Non-Interest-Bearing Deposit Share 22.23% below tier
- - Non-Interest Income / Assets 0.50% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$40.9M
-0.3% YoY
-2.6% QoQ
|
-$176.6M |
$217.5M
+2.3% YoY
|
$697.6M
+5.6% YoY
|
$5.9B
+6.5% YoY
|
Bottom 5% in tier |
| Total Loans ? |
$31.8M
+1.6% YoY
-0.2% QoQ
|
-$107.3M |
$139.2M
+2.8% YoY
|
$490.0M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 12% in tier |
| Total Deposits ? |
$26.9M
+0.8% YoY
-3.1% QoQ
|
-$156.8M |
$183.7M
+1.8% YoY
|
$584.3M
+5.1% YoY
|
$4.7B
+6.3% YoY
|
Bottom 4% in tier |
| Return on Assets ? |
0.10%
+185.2% YoY
+61.9% QoQ
|
-0.98% |
1.08%
+14.7% YoY
|
1.21%
+22.9% YoY
|
1.12%
+15.6% YoY
|
Bottom 8% in tier |
| Net Interest Margin ? |
2.23%
+15.0% YoY
+6.3% QoQ
|
-1.62% |
3.85%
+6.6% YoY
|
3.81%
+9.2% YoY
|
3.75%
+7.1% YoY
|
Bottom 3% in tier |
| Efficiency Ratio ? |
92.85%
-11.5% YoY
-3.5% QoQ
|
+25.12% |
67.73%
-4.8% YoY
|
64.38%
-7.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 8% in tier |
| Delinquency Rate ? | 0.09% | -0.55% |
0.64%
+24.4% YoY
|
0.52%
-3.4% YoY
|
0.66%
+20.3% YoY
|
71% |
| Loan-to-Deposit Ratio ? |
118.42%
+0.7% YoY
+3.0% QoQ
|
+43.90% |
74.53%
+0.5% YoY
|
81.81%
+1.4% YoY
|
78.04%
+0.7% YoY
|
Bottom 2% in tier |
| Non-Interest-Bearing Deposit Share ? |
0.17%
+346.4% YoY
-87.0% QoQ
|
-22.23% |
22.39%
-1.3% YoY
|
23.17%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Bottom 2% in tier |
| Nonperforming Asset Ratio ? | 0.07% | -0.38% |
0.45%
+25.1% YoY
|
0.32%
-14.7% YoY
|
0.48%
+20.8% YoY
|
71% |
| Tier 1 Capital Ratio ? |
57.47%
-0.5% YoY
+2.2% QoQ
|
+48.62% |
8.85%
-3.4% YoY
|
9.91%
+1.4% YoY
|
9.75%
-1.9% YoY
|
- |
| Non-Interest Income / Assets ? |
0.06%
-10.5% YoY
+35.1% QoQ
|
-0.50% |
0.56%
+0.3% YoY
|
0.66%
+0.7% YoY
|
0.65%
+0.6% YoY
|
Bottom 4% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (6)
Return on Assets
metric
Bottom 8%
in Micro
Why this stands out
Current:
0.10%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 3%
in Micro
Why this stands out
Current:
2.23%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 8%
in Micro
Why this stands out
Current:
92.85%
(Tier avg: 67.73%, National avg: 65.09%)
Loan-to-Deposit Ratio
metric
Bottom 2%
in Micro
Why this stands out
Current:
118.42%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Bottom 2%
in Micro
Why this stands out
Current:
0.17%
(Tier avg: 22.39%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Bottom 4%
in Micro
Why this stands out
Current:
0.06%
(Tier avg: 0.56%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
71
71th pctile
Delinquency Rate
Current: 0.09% · Tier avg: 0.64%
71
71th pctile
Nonperforming Asset Ratio
Current: 0.07% · Tier avg: 0.45%
12
12th pctile
Total Loans
Current: $31.8M · Tier avg: $139.2M
8
8th pctile
Return on Assets
Current: 0.10% · Tier avg: 1.08%
8
8th pctile
Efficiency Ratio
Current: 92.85% · Tier avg: 67.73%
5
5th pctile
Total Assets
Current: $40.9M · Tier avg: $217.5M
4
4th pctile
Total Deposits
Current: $26.9M · Tier avg: $183.7M
4
4th pctile
Non-Interest Income / Assets
Current: 0.06% · Tier avg: 0.56%
3
3th pctile
Net Interest Margin
Current: 2.23% · Tier avg: 3.85%
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 0.17% · Tier avg: 22.39%
2
2th pctile
Loan-to-Deposit Ratio
Current: 118.42% · Tier avg: 74.53%
Top Weaknesses
2
2th pctile
Loan-to-Deposit Ratio
Current: 118.42% · Tier avg: 74.53%
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 0.17% · Tier avg: 22.39%
3
3th pctile
Net Interest Margin
Current: 2.23% · Tier avg: 3.85%
4
4th pctile
Non-Interest Income / Assets
Current: 0.06% · Tier avg: 0.56%
4
4th pctile
Total Deposits
Current: $26.9M · Tier avg: $183.7M
5
5th pctile
Total Assets
Current: $40.9M · Tier avg: $217.5M
8
8th pctile
Efficiency Ratio
Current: 92.85% · Tier avg: 67.73%
8
8th pctile
Return on Assets
Current: 0.10% · Tier avg: 1.08%
12
12th pctile
Total Loans
Current: $31.8M · Tier avg: $139.2M
71
71th pctile
Nonperforming Asset Ratio
Current: 0.07% · Tier avg: 0.45%
71
71th pctile
Delinquency Rate
Current: 0.09% · Tier avg: 0.64%