BlastPoint's Banking Scorecard
Citizens Federal Savings and Loan Association
Micro
Specialty: Mortgage
OH
FDIC cert 28060
Designations: ✓ Community bank ✓ Mutual
Bellefontaine, OH
2498
banks in Micro tier nationally
102 in OH
View Micro leaderboard (OH) →
Citizens Federal Savings and Loan Association faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.52% below tier
- - Non-Interest-Bearing Deposit Share 19.66% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$184.6M
-0.3% YoY
+2.6% QoQ
|
-$32.9M |
$217.5M
+2.3% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
47% |
| Total Loans ? |
$144.5M
+1.8% YoY
+1.8% QoQ
|
+$5.4M |
$139.2M
+2.8% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
59% |
| Total Deposits ? |
$165.1M
-1.3% YoY
+2.6% QoQ
|
-$18.5M |
$183.7M
+1.8% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
50% |
| Return on Assets ? |
0.40%
+10.1% QoQ
|
-0.68% |
1.08%
+14.7% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
15% |
| Net Interest Margin ? |
2.33%
+27.0% YoY
+1.1% QoQ
|
-1.52% |
3.85%
+6.6% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
Bottom 4% in tier |
| Efficiency Ratio ? |
82.22%
-22.4% YoY
-1.9% QoQ
|
+14.49% |
67.73%
-4.8% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
17% |
| Delinquency Rate ? |
0.07%
+53.8% YoY
+43.4% QoQ
|
-0.57% |
0.64%
+24.4% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
73% |
| Loan-to-Deposit Ratio ? |
87.52%
+3.1% YoY
-0.8% QoQ
|
+13.00% |
74.53%
+0.5% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
28% |
| Non-Interest-Bearing Deposit Share ? |
2.73%
+16.8% YoY
+14.1% QoQ
|
-19.66% |
22.39%
-1.3% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
Bottom 4% in tier |
| Nonperforming Asset Ratio ? |
0.06%
+57.0% YoY
+42.3% QoQ
|
-0.39% |
0.45%
+25.1% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
73% |
| Tier 1 Capital Ratio ? |
20.22%
+0.5% YoY
-1.2% QoQ
|
+11.36% |
8.85%
-3.4% YoY
|
9.14%
+0.8% YoY
|
9.75%
-1.9% YoY
|
Top 13% in tier |
| Non-Interest Income / Assets ? |
0.27%
+127.4% YoY
+35.9% QoQ
|
-0.30% |
0.56%
+0.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
34% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Net Interest Margin
metric
Bottom 4%
in Micro
Why this stands out
Current:
2.33%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest-Bearing Deposit Share
metric
Bottom 4%
in Micro
Why this stands out
Current:
2.73%
(Tier avg: 22.39%, National avg: 21.79%)
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
87
87th pctile
Tier 1 Capital Ratio
Current: 20.22% · Tier avg: 8.85%
73
73th pctile
Delinquency Rate
Current: 0.07% · Tier avg: 0.64%
73
73th pctile
Nonperforming Asset Ratio
Current: 0.06% · Tier avg: 0.45%
59
59th pctile
Total Loans
Current: $144.5M · Tier avg: $139.2M
50
50th pctile
Total Deposits
Current: $165.1M · Tier avg: $183.7M
47
47th pctile
Total Assets
Current: $184.6M · Tier avg: $217.5M
34
34th pctile
Non-Interest Income / Assets
Current: 0.27% · Tier avg: 0.56%
28
28th pctile
Loan-to-Deposit Ratio
Current: 87.52% · Tier avg: 74.53%
17
17th pctile
Efficiency Ratio
Current: 82.22% · Tier avg: 67.73%
15
15th pctile
Return on Assets
Current: 0.40% · Tier avg: 1.08%
4
4th pctile
Net Interest Margin
Current: 2.33% · Tier avg: 3.85%
4
4th pctile
Non-Interest-Bearing Deposit Share
Current: 2.73% · Tier avg: 22.39%
Top Weaknesses
4
4th pctile
Non-Interest-Bearing Deposit Share
Current: 2.73% · Tier avg: 22.39%
4
4th pctile
Net Interest Margin
Current: 2.33% · Tier avg: 3.85%
15
15th pctile
Return on Assets
Current: 0.40% · Tier avg: 1.08%
17
17th pctile
Efficiency Ratio
Current: 82.22% · Tier avg: 67.73%
28
28th pctile
Loan-to-Deposit Ratio
Current: 87.52% · Tier avg: 74.53%
34
34th pctile
Non-Interest Income / Assets
Current: 0.27% · Tier avg: 0.56%
47
47th pctile
Total Assets
Current: $184.6M · Tier avg: $217.5M
50
50th pctile
Total Deposits
Current: $165.1M · Tier avg: $183.7M
59
59th pctile
Total Loans
Current: $144.5M · Tier avg: $139.2M
73
73th pctile
Nonperforming Asset Ratio
Current: 0.06% · Tier avg: 0.45%
73
73th pctile
Delinquency Rate
Current: 0.07% · Tier avg: 0.64%
87
87th pctile
Tier 1 Capital Ratio
Current: 20.22% · Tier avg: 8.85%