Bank · FDIC insured
Citizens Federal Savings and Loan
A $186.1M bank headquartered in Bellefontaine, OH, with 1 branch in Ohio. Best rates: CDs 4.10% and savings 0.65% APY.
Citizens Federal Savings and Loan Carrot Score
77
Carrot Score
Higher than 45% of U.S. banks and credit unions
#5 of 10 in Bellefontaine, OH metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Citizens Federal Savings and Loan
- Headquarters
- 100 N. Main St, Bellefontaine, OH 43311
- FDIC certificate
- 28060 ↗
Branches
1 branch in Ohio
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Ohio
1 branch
- Citizens Federal Savings and Loan AssociationMain office100 N. Main St, Bellefontaine, OH 43311Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.90% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.03% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.45% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $91 | $81 | — |
- CapitalLeverage ratio10.90%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.03%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.45%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$91Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Citizens Federal Savings and Loan are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.