BlastPoint's Banking Scorecard

Citizens Bank & Trust Company

$100M-$1B Specialty: Commercial LA FDIC cert 1376

Plaquemine, LA

7 branches across LA

2664 banks in the $100M-$1B peer group nationally 74 in LA

Citizens Bank & Trust Company has 2 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Net Interest Margin 0.25% above tier average
+ Delinquency Rate 0.17% below tier average

Key Concerns

Areas that may need attention

- ROA 0.23% below tier average
- Efficiency Ratio 0.49% above tier average

Get updates when Citizens Bank & Trust Company releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Total Assets ?	$471.4M +5.7% YoY -3.0% QoQ	+$85.3M	$386.1M +0.5% YoY	$784.8M +7.0% YoY	$6.2B +9.1% YoY	69%
Total Loans ?	$346.3M +5.3% YoY +0.5% QoQ	+$90.6M	$255.7M +1.1% YoY	$523.7M +4.0% YoY	$3.2B +10.8% YoY	74%
Total Deposits ?	$410.2M +5.0% YoY -4.2% QoQ	+$82.2M	$328.0M +0.1% YoY	$671.5M +6.9% YoY	$4.8B +8.2% YoY	71%
Return on Assets ?	1.04% +30.6% YoY +30.3% QoQ	-0.23%	1.27% +12.9% YoY	1.24% +12.4% YoY	1.23% +13.4% YoY	40%
Net Interest Margin ?	4.18% +5.3% YoY +6.0% QoQ	+0.25%	3.93% +6.0% YoY	4.12% +1.2% YoY	3.89% +5.7% YoY	67%
Efficiency Ratio ?	65.78% -7.3% YoY -7.5% QoQ	+0.49%	65.29% -4.5% YoY	70.37% -1.0% YoY	66.95% -4.1% YoY	43%
Delinquency Rate ?	0.72% -26.1% YoY -22.9% QoQ	-0.17%	0.89% +18.8% YoY	1.51% +4.5% YoY	0.95% +18.8% YoY	36%
Loan-to-Deposit Ratio ?	84.42% +0.3% YoY +4.9% QoQ	+7.78%	76.64% +0.8% YoY	75.16% -1.5% YoY	76.70% +0.9% YoY	36%
Non-Interest-Bearing Deposit Share ?	29.16% -8.9% YoY +9.9% QoQ	+7.14%	22.02% -1.0% YoY	24.55% -1.4% YoY	22.01% -1.2% YoY	80%
Nonperforming Asset Ratio ?	0.67% -31.6% YoY -22.3% QoQ	+0.03%	0.64% +19.7% YoY	1.07% +4.2% YoY	0.67% +19.3% YoY	30%
Tier 1 Capital Ratio ?	14.10% +3.1% YoY +1.8% QoQ	-1.73%	15.83% +1.5% YoY	16.56% +0.4% YoY	17.06% +0.8% YoY	58%
Non-Interest Income / Assets ?	0.08% +1.5% YoY -75.0% QoQ	-0.20%	0.28% +9.3% YoY	0.11% -17.3% YoY	0.32% +4.1% YoY	38%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (1 metrics)

541

Non-Interest-Bearing Deposit Share

funding

Value: 29.16%

Peer Median: 22.02%

#541 of 2664 Top 20.3% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available