BlastPoint's Banking Scorecard
Citizens Bank & Trust Company
Plaquemine, LA
7 branches across LA
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 73 in LA.
- Deposits +5.8% year over year ($405.4M on the books).
- Delinquency rate 0.83%.
- Return on assets 1.09%.
- Efficiency ratio 64.15% vs a 64.48% peer average.
- Loan-to-deposit ratio 88.66% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Citizens Bank & Trust Company has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.24% above tier average
- + Efficiency Ratio 0.33% below tier average
- + Delinquency Rate 0.09% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.23% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$480.8M
+7.0% YoY
+2.0% QoQ
|
+$94.3M |
$386.6M
+1.2% YoY
|
$799.3M
+7.8% YoY
|
$6.3B
+7.7% YoY
|
70% |
| Total Loans ? |
$359.4M
+6.1% YoY
+3.8% QoQ
|
+$101.1M |
$258.3M
+1.7% YoY
|
$538.5M
+5.3% YoY
|
$3.2B
+9.4% YoY
|
75% |
| Total Deposits ? |
$405.4M
+5.8% YoY
-1.2% QoQ
|
+$78.7M |
$326.7M
+0.7% YoY
|
$677.9M
+7.3% YoY
|
$4.9B
+7.3% YoY
|
71% |
| Return on Assets ? |
1.09%
+57.6% YoY
+5.6% QoQ
|
-0.23% |
1.32%
+10.8% YoY
|
1.37%
+23.6% YoY
|
1.30%
+12.1% YoY
|
40% |
| Net Interest Margin ? |
4.23%
+7.0% YoY
+1.2% QoQ
|
+0.24% |
3.99%
+5.0% YoY
|
4.15%
+0.0% YoY
|
3.95%
+4.9% YoY
|
67% |
| Efficiency Ratio ? |
64.15%
-12.5% YoY
-2.5% QoQ
|
-0.33% |
64.48%
-3.2% YoY
|
69.40%
-0.9% YoY
|
70.05%
+2.5% YoY
|
45% |
| Delinquency Rate ? |
0.83%
-59.1% YoY
+14.9% QoQ
|
-0.09% |
0.92%
+15.7% YoY
|
1.53%
+7.9% YoY
|
0.98%
+16.3% YoY
|
33% |
| Loan-to-Deposit Ratio ? |
88.66%
+0.3% YoY
+5.0% QoQ
|
+10.71% |
77.95%
+1.0% YoY
|
77.15%
-1.0% YoY
|
79.03%
+2.3% YoY
|
29% |
| Non-Interest-Bearing Deposit Share ? |
29.80%
-1.6% YoY
+2.2% QoQ
|
+7.77% |
22.03%
-0.6% YoY
|
24.65%
+0.5% YoY
|
21.98%
-0.6% YoY
|
81% |
| Nonperforming Asset Ratio ? |
0.68%
-59.8% YoY
+1.0% QoQ
|
+0.01% |
0.67%
+16.4% YoY
|
1.11%
+4.1% YoY
|
0.69%
+15.8% YoY
|
31% |
| Tier 1 Capital Ratio ? |
13.97%
+3.2% YoY
-1.0% QoQ
|
-1.94% |
15.91%
+1.4% YoY
|
17.35%
+5.4% YoY
|
17.09%
+0.8% YoY
|
57% |
| Non-Interest Income / Assets ? |
0.16%
+11.9% YoY
+108.0% QoQ
|
-0.40% |
0.57%
+7.6% YoY
|
0.33%
+19.6% YoY
|
0.66%
+5.2% YoY
|
39% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
29.8%
-0.5pp YoY +0.6pp QoQ |
+7.7pp | 22.1% | 24.6% | 22.2% | 81% |
| Brokered Deposits | n/a | n/a | 7.9% | 6.7% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
9.6%
-1.8pp YoY -0.7pp QoQ |
-1.9pp | 11.6% | 12.6% | 12.5% | 50% |
| CRE |
62.1%
+1.8pp YoY +0.9pp QoQ |
+22.6pp | 39.5% | 44.9% | 41.4% | 87% |
| 1-4 Family |
27.5%
-0.8pp YoY -0.9pp QoQ |
-5.1pp | 32.6% | 34.2% | 31.3% | 46% |
| Consumer |
1.7%
+0.3pp YoY +0.7pp QoQ |
-2.4pp | 4.1% | 4.2% | 5.0% | 43% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
14.0%
+0.4pp YoY -0.1pp QoQ |
-4.9pp | 18.8% | 22.5% | 19.7% | 39% |
| Leverage Ratio |
11.9%
+0.2pp YoY +0.3pp QoQ |
-0.2pp | 12.2% | 13.4% | 12.6% | 64% |
| Total Capital Ratio |
14.9%
+0.2pp YoY -0.1pp QoQ |
-5.0pp | 19.9% | 23.6% | 20.8% | 37% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
81
0 YoY +2 (+2.5%) QoQ |
+22 | 58 | 114 | 482 | 77% |
| Assets per Employee ($) |
$5.9M
+7.0% YoY -0.5% QoQ |
-$1.6M | $7.5M | $6.8M | $8.8M | 32% |
| Branch Count |
7
0 YoY 0 QoQ |
+2 | 4 | 9 | 18 | 75% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.1%
-0.4pp YoY |
-0.2pp | 0.3% | 0.4% | 0.4% | 54% |
| Nonaccrual |
0.7%
-0.8pp YoY 0.0pp QoQ |
-0.2pp | 0.9% | 1.4% | 1.0% | 63% |
| Allowance Coverage |
1.24x
+57.6% YoY -13.5% QoQ |
-22.92x | 24.15x | 27.36x | 20.23x | 33% |
| Net Charge-off Rate (YTD) |
0.1%
0.0pp YoY -0.1pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 75% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
9.6%
+3.3pp YoY +0.4pp QoQ |
-2.6pp | 12.2% | 12.5% | 11.6% | 34% |
| Cost of Funds (YTD) |
1.6%
-0.1pp YoY 0.0pp QoQ |
-0.2pp | 1.7% | 1.7% | 1.7% | 40% |
| Net Income ($, YTD) |
$2.6M
+65.4% YoY — QoQ |
+$67K | $2.6M | $5.1M | $40.4M | 64% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.