Bank · FDIC insured
Citizens Federal Savings & Loan Association
A $41.9M bank headquartered in Covington, KY, with 1 branch in Kentucky. Best rates: CDs 4.25% and savings 0.25% APY.
Citizens Federal Savings & Loan Association Carrot Score
76
Carrot Score
Higher than 41% of U.S. banks and credit unions
#31 of 58 in Cincinnati, OH-KY-IN metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Citizens Federal Savings & Loan Association
- Headquarters
- 433 Madison Ave, Covington, KY 41011
- FDIC certificate
- 27841 ↗
Branches
1 branch in Kentucky
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Kentucky
1 branch
- Citizens Federal Savings and Loan AssociationMain office433 Madison Ave, Covington, KY 41011Directions
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 | 28.05% | 12.77% | 16.04% or more |
| Troubled loansNoncurrent | 0.00% | 0.46% | 0.00% or less |
| ProfitabilityReturn on assets | 0.24% | 0.99% | 1.52% or more |
| LendingLoans per $100 deposited | $109 | $67 | — |
- CapitalLeverage ratio28.05%Peers’ middle 12.77% · Top 25% 16.04%+
- Troubled loansNoncurrent0.00%Peers’ middle 0.46% · Top 25% ≤0.00%
- ProfitabilityReturn on assets0.24%Peers’ middle 0.99% · Top 25% 1.52%+
- LendingLoans per $100 deposited$109Peers’ middle $67
Compared with the 546 banks with under $100 million 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 & Loan Association are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.