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Citizens Federal Savings And Loan Association
Bellefontaine, OH · FDIC Certificate #28060 · Chartered 01/0
Total assets
$186.14M
Total deposits
$161.32M
Total equity
$19.34M
Net loans
$146.94M
Branches (offices)
1
Net income (YTD)
$421.00K
Rank: #3,074 of 4,213 U.S. banks by assets · #105 of 155 in Ohio. Assets changed 2.0% and deposits -0.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.45% |
| Return on equity | 4.41% |
| Net interest margin (YTD) | 2.63% |
| Equity to assets | 10.39% |
| Tier 1 leverage ratio | 10.90% |
| Uninsured deposits (share of deposits) | 16.6% |
| Noncurrent loans (share of loans) | 0.03% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 91.1% |
| Real estate loans (share of loans) | 100.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $147.24M | 100.2% | |
| Commercial & industrial | $0 | 0.0% | |
| Consumer / individual | $0 | 0.0% | |
| Construction & development | $3.96M | 2.7% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $172.89M | $155.35M | $296.00K | $17.16M |
| Jun 2023 | $175.60M | $157.83M | $8.00K | $17.46M |
| Jun 2024 | $179.87M | $160.90M | -$96.00K | $17.49M |
| Jun 2025 | $182.47M | $162.08M | $304.00K | $18.04M |
| Jun 2026 | $186.14M | $161.32M | $421.00K | $19.34M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Ohio | $161.32M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $161.32M.
Similar-sized banks
Farmers State Bank ($186.21M) · Bank Of Richmondville ($185.90M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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