BlastPoint's Banking Scorecard
Citizens Bank & Trust Company
Covington, LA
5 branches across LA
Citizens Bank & Trust Company faces 6 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 10.2% in tier
- - Flatlined Growth: Bottom 31.2% in tier
- - Delinquency Rate 6.91% above tier average
- - Nonperforming Asset Ratio 4.54% above tier average
- - Net Interest Margin 0.13% below tier average
- - Efficiency Ratio 5.26% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$188.4M
+0.9% YoY
+7.1% QoQ
|
-$197.7M |
$386.1M
+0.5% YoY
|
$784.8M
+7.0% YoY
|
$6.2B
+9.1% YoY
|
24% |
| Total Loans ? |
$116.0M
-16.2% YoY
-9.3% QoQ
|
-$139.7M |
$255.7M
+1.1% YoY
|
$523.7M
+4.0% YoY
|
$3.2B
+10.8% YoY
|
25% |
| Total Deposits ? |
$167.3M
-0.0% YoY
+7.9% QoQ
|
-$160.7M |
$328.0M
+0.1% YoY
|
$671.5M
+6.9% YoY
|
$4.8B
+8.2% YoY
|
26% |
| Return on Assets ? |
0.77%
-19.4% YoY
-20.2% QoQ
|
-0.50% |
1.27%
+12.9% YoY
|
1.24%
+12.4% YoY
|
1.23%
+13.4% YoY
|
24% |
| Net Interest Margin ? |
3.80%
-2.9% YoY
-7.2% QoQ
|
-0.13% |
3.93%
+6.0% YoY
|
4.12%
+1.2% YoY
|
3.89%
+5.7% YoY
|
46% |
| Efficiency Ratio ? |
70.54%
+2.4% YoY
+4.9% QoQ
|
+5.26% |
65.29%
-4.5% YoY
|
70.37%
-1.0% YoY
|
66.95%
-4.1% YoY
|
31% |
| Delinquency Rate ? |
7.79%
+185.6% YoY
+5.5% QoQ
|
+6.91% |
0.89%
+18.8% YoY
|
1.51%
+4.5% YoY
|
0.95%
+18.8% YoY
|
Bottom 0.5% in tier |
| Loan-to-Deposit Ratio ? |
69.31%
-16.2% YoY
-16.0% QoQ
|
-7.33% |
76.64%
+0.8% YoY
|
75.16%
-1.5% YoY
|
76.70%
+0.9% YoY
|
68% |
| Non-Interest-Bearing Deposit Share ? |
27.04%
-11.9% YoY
-2.1% QoQ
|
+5.02% |
22.02%
-1.0% YoY
|
24.55%
-1.4% YoY
|
22.01%
-1.2% YoY
|
74% |
| Nonperforming Asset Ratio ? |
5.18%
+156.1% YoY
-3.6% QoQ
|
+4.54% |
0.64%
+19.7% YoY
|
1.07%
+4.2% YoY
|
0.67%
+19.3% YoY
|
Bottom 0.8% in tier |
| Tier 1 Capital Ratio ? |
11.35%
+7.0% YoY
-0.4% QoQ
|
-4.48% |
15.83%
+1.5% YoY
|
16.56%
+0.4% YoY
|
17.06%
+0.8% YoY
|
27% |
| Non-Interest Income / Assets ? |
0.05%
-1.9% YoY
-79.5% QoQ
|
-0.23% |
0.28%
+9.3% YoY
|
0.11%
-17.3% YoY
|
0.32%
+4.1% YoY
|
19% |
Get Full Access to Citizens Bank & Trust Company
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (2)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.