Citizens Federal Savings and Loan Association
Covington, KY
IDRSSD: 673477
Total Assets
$40.86M
Latest filing
Total Deposits
$26.89M
Latest filing
Net Interest Margin
2.61%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Citizens Federal Savings and Loan Association
433 Madison Ave
Covington, KY 41011
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1886FDIC Certificate 40675
Branches (0)
Page 1 of 1| Name | Address | City / State | ||
|---|---|---|---|---|
| No branch data available. | ||||
| Citizens Federal Savings and Loan Association (Main) | 433 Madison Ave | Covington, KY | ||
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Federal savings banks, federal charter, supervised by the OCC or (pre-2011) OTS |
| Primary Regulator | OCC |
| Established Date | 01/01/1886 |
| Community Bank | Yes |
| Ownership Type | Mutual |
| ZIP | 41011 |
| State and County Number | 21117 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 04 |
| Numeric code | 38 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Cincinnati, OH-KY-IN |
Operational Info
| Number of Employees | 5 |
| Domestic Offices | 1 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | www.citizens-federal.com |
| Data Updated | 01/30/2026 |
| CERT | 27841 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $40.86M |
| Total Deposits | $26.89M |
| Total Liabilities | $29.55M |
| Total Equity Capital | $11.31M |
| Net Income | $23.00k |
| Net Loans and Leases | $31.84M |
| Assets Per Employee ($Millions) | $8.17M |
| Bank Premises and Fixed Assets | $70.00k |
| Cash and Balances due from Depository Institutions | $2.50M |
| Deposits Held in Domestic Offices | $26.89M |
Key Performance Ratios
| Return on Assets (ROA) | 0.22% |
| Return on Equity (ROE) | 0.81% |
| Net Interest Margin | 2.61% |
| Efficiency Ratio | 84.56% |
| Tier 1 Risk-Based Capital Ratio | 57.473% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 27.671% |
| Earning Assets to total Assets | 98.56% |
Income and Expense
| Total Interest Income | $522.00k |
| Total Noninterest Income | $6.00k |
| Total Interest Expense | $256.00k |
| Total Noninterest Expense | $230.00k |
| Net Interest Income | $266.00k |
| Pre-tax Net Operating Income | $42.00k |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $2.62M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $41.00k |
| Total Liabilities and Capital | $40.86M |
Securities
| Securities | $5.99M |
| Available-for-sale debt securities | $5.81M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Citizens Federal Savings and Loan Association?
$40.86M as of the latest filing.
How much are Citizens Federal Savings and Loan Association's total deposits?
$26.89M in total deposits.
Where is Citizens Federal Savings and Loan Association located?
Covington, KY.
What is the Net Interest Margin?
2.61%.
How many domestic offices does it operate?
1.
When was it established?
01/01/1886.
What is the Return on Assets (ROA)?
0.22%.
How much are total loans and leases?
$31.84M (latest filing).
What is the total interest income (latest filing)?
$522.00k.