Citizens Federal Savings and Loan Association: how it compares with its peers
Against 13 KY banks with half to twice its assets, Citizens Federal Savings and Loan Association's strongest measure in Q2 2026 is assets per employee ($10.5M vs. a $4.5M peer median). Its weakest relative measure is net interest margin (2.45% vs. 4.12%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.24% | 0.73% | Bottom third Ahead of 15% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.45% | 4.12% | Bottom third Ahead of 8% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 94.28% | 75.45% | Bottom third Ahead of 15% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $10.5M | $4.5M | Top third Ahead of 100% of peers |
| Loans to deposits Net loans and leases over total deposits. | 107.89% | 78.42% | Context |
What it means for lending operations
Its efficiency ratio of 94.28% is above the 75.45% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- First Federal Savings and Loan Association Morehead, KY · $41M
- Carrollton Federal Bank Carrollton, KY · $44M
- Cornerstone Community Bank Owensboro, KY · $44M
- Pinnacle Bank, Inc. Pikeville, KY · $58M
- Home Savings Bank, FSB Ludlow, KY · $26M
- Blue Grass Federal Savings and Loan Association Paris, KY · $59M
Questions about Citizens Federal Savings and Loan Association
How big is Citizens Federal Savings and Loan Association?
Citizens Federal Savings and Loan Association, established in 1886, is headquartered in Covington, KY. It reported $42M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Citizens Federal Savings and Loan Association's return on assets?
0.24% annualized in Q2 2026, against a 0.73% median for 13 KY banks with half to twice its assets, ahead of 15% of them.
What is Citizens Federal Savings and Loan Association's efficiency ratio?
94.28% in Q2 2026: it spent about 94 cents in noninterest expense for each dollar of revenue. The peer median is 75.45%, and lower is better.
Is Citizens Federal Savings and Loan Association growing its loans?
Net loans shrank 2.5% over the year to Q2 2026, while deposits grew 1.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are KY banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Kentucky bank ranked.