CITIZENS FS&LA
COVINGTON, KENTUCKY · FDIC Cert #27841
Capital & Safety Analysis
According to FDIC financial data, CITIZENS FS&LA holds a Tier 1 capital ratio of 57.44%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning CITIZENS FS&LA has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
CITIZENS FS&LA shows strong financial health indicators. With $41M in assets and a Health Score of 83/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
CITIZENS FS&LA has a Bank Health Score of A (83/100). It holds a Tier 1 capital ratio of 57.44%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
CITIZENS FS&LA holds $41M in total assets and $27M in total deposits. It is located in COVINGTON, KENTUCKY (FDIC Certificate #27841).
CITIZENS FS&LA has a Tier 1 capital ratio of 57.44%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 0.11%, and the return on assets is -0.08%.
Yes. CITIZENS FS&LA is FDIC-insured (Certificate #27841). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.