Fees from its schedule are under review and appear here once review is done.
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Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
22nd percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the U.S. median
Too few fees
Fewer than 5 verified fees on file
Fee schedule read Oct 16, 2026
Call-report figures are for Citizens Federal Savings and Loan Association at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 1,681 banks with under $300M in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the U.S. median | Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Citizens Federal Savings and Loan Association's published fee schedule; Bank Fee Index medians | Current schedule | Oct 16, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 1.1% of revenue, below the 2.1% median of 1,681 banks with under $300M in assets (22nd percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $14K in Q2 2026, 6.7% below the same quarter a year earlier ($15K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
Call reports for Citizens Federal Savings and Loan Association (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 62 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $14K | +$1K | +7.7% |
| Q1 2026 | $13K | +$3K | +30.0% |
| Q4 2025 | $10K | −$4K | −28.6% |
| Q3 2025 | $14K | −$1K | −6.7% |
| Q2 2025 | $15K | +$2K | +15.4% |
| Q1 2025 | $13K | +$5K | +62.5% |
| Q4 2024 | $8K | −$5K | −38.5% |
| Q3 2024 | $13K | $0 | 0.0% |
Financial cohort: 1,760 banks with under $300M in assets filing for Q2 2026; 1,681 reported a share above 0% and are counted, Citizens Federal Savings and Loan Association left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Citizens Federal Savings and Loan Association by share.
They stay out of every comparison until review is done.
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varies · Currently no fee; minimum 30 days notice will be given if fees are assessed in the future
varies · Currently no fee; minimum 30 days notice will be given if fees are assessed in the future
per month · Currently no associated fee. If and when fees are assessed a minimum of 30 days' notice will be given to Online Banking customers
per item · A fee may apply for each stop payment request placed; refer to account disclosures for specific stop payment fee
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account MaintenanceUnder review | |||
| Forward Checking - For only Monthly service charge (audience not stated, treated as personal) | $5 | per month | None |
| Lifestyle Checking - Our best account for only Monthly service charge (audience not stated, treated as personal) | $10 | per month | None |
| Monthly fee (audience not stated, treated as personal) | $6 | per month | None |
| Monthly fee (audience not stated, treated as personal) | $7 | per month | None |
Other feesUnder review | |||
| fee per withdrawal will be applied to account for each withdrawal over the monthly limit (audience not stated, treated as personal) | $10 | per month | None |
| Forward Checking - For only Monthly service charge (audience not stated, treated as personal) | $5 | per month | None |
| Lifestyle Checking - Our best account for only Monthly service charge (audience not stated, treated as personal) | $10 | per month | None |
| Monthly fee (audience not stated, treated as personal) | $6 | per month | None |
| Monthly fee (audience not stated, treated as personal) | $7 | per month | None |
| Online Banking Service (audience not stated, treated as personal) | Not stated | varies | Currently no fee; minimum 30 days notice will be given if fees are assessed in the future |
| Online Bill Payment Service (audience not stated, treated as personal) | Not stated | varies | Currently no fee; minimum 30 days notice will be given if fees are assessed in the future |
| Online Bill Payment Service (audience not stated, treated as personal) | No charge | per month | Currently no associated fee. If and when fees are assessed a minimum of 30 days' notice will be given to Online Banking customers |
| Stop Payment (audience not stated, treated as personal) | Not stated | per item | A fee may apply for each stop payment request placed; refer to account disclosures for specific stop payment fee |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Oct 16, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where Citizens Federal Savings and Loan Association operates, and what regulators and customers have on file.
Branch footprint
1 offices in 1 state, $161.3M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 1 | $161.3M |
Largest competitors nearby
Local market: Logan county, OH, where it holds the most deposits.
| 12 in its local market | Deposit share |
|---|---|
| The Huntington National Bank | 23.6% |
| The Richwood Banking Company | 8.7% |
| Civista Bank | 8.3% |
| PNC Bank, National Association | 7.1% |
| The Farmers National Bank of Canfield | 7% |
This bank holds 16.4% of the deposits there.
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
Enforcement actions
None on file with the OCC
The OCC has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the OCC, read November 4, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
Once when its schedule is verified, then when a verified fee changes.
See what a free sample Competitive Fee Position Report shows