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Citizens Bank & Trust Company

$100M-$1B Specialty: Commercial LA FDIC cert 16417

Covington, LA

5 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 +0.5% year over year ($162.2M on the books).
  • Delinquency rate 7.25%.
  • Return on assets 0.63%.
  • Efficiency ratio 73.52% vs a 64.48% peer average.
  • Loan-to-deposit ratio 70.35% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 73 in LA
View $100M-$1B leaderboard (LA) →

Citizens Bank & Trust Company faces 7 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 19.3% in tier
  • - Capital Thin: Bottom 36.3% in tier
  • - Delinquency Rate 6.33% above tier average
  • - Nonperforming Asset Ratio 4.23% above tier average
  • - ROA 0.69% below tier average
  • - Net Interest Margin 0.24% below tier average
  • - Efficiency Ratio 9.04% above tier average
Get updates when Citizens Bank & Trust Company releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Total Assets ? $183.7M
+0.8% YoY -2.5% QoQ
-$202.9M $386.6M
+1.2% YoY
$799.3M
+7.8% YoY
$6.3B
+7.7% YoY
22%
Total Loans ? $114.1M
-16.5% YoY -1.6% QoQ
-$144.2M $258.3M
+1.7% YoY
$538.5M
+5.3% YoY
$3.2B
+9.4% YoY
24%
Total Deposits ? $162.2M
+0.5% YoY -3.0% QoQ
-$164.5M $326.7M
+0.7% YoY
$677.9M
+7.3% YoY
$4.9B
+7.3% YoY
25%
Return on Assets ? 0.63%
-39.5% YoY -17.9% QoQ
-0.69% 1.32%
+10.8% YoY
1.37%
+23.6% YoY
1.30%
+12.1% YoY
16%
Net Interest Margin ? 3.75%
-8.6% YoY -1.4% QoQ
-0.24% 3.99%
+5.0% YoY
4.15%
+0.0% YoY
3.95%
+4.9% YoY
39%
Efficiency Ratio ? 73.52%
+9.6% YoY +4.2% QoQ
+9.04% 64.48%
-3.2% YoY
69.40%
-0.9% YoY
70.05%
+2.5% YoY
23%
Delinquency Rate ? 7.25%
+168.4% YoY -6.9% QoQ
+6.33% 0.92%
+15.7% YoY
1.53%
+7.9% YoY
0.98%
+16.3% YoY
Bottom 0.7% in tier
Loan-to-Deposit Ratio ? 70.35%
-16.9% YoY +1.5% QoQ
-7.60% 77.95%
+1.0% YoY
77.15%
-1.0% YoY
79.03%
+2.3% YoY
69%
Non-Interest-Bearing Deposit Share ? 25.27%
-12.0% YoY -6.5% QoQ
+3.24% 22.03%
-0.6% YoY
24.65%
+0.5% YoY
21.98%
-0.6% YoY
67%
Nonperforming Asset Ratio ? 4.90%
+141.7% YoY -5.4% QoQ
+4.23% 0.67%
+16.4% YoY
1.11%
+4.1% YoY
0.69%
+15.8% YoY
Bottom 0.9% in tier
Tier 1 Capital Ratio ? 11.14%
+4.2% YoY -1.8% QoQ
-4.77% 15.91%
+1.4% YoY
17.35%
+5.4% YoY
17.09%
+0.8% YoY
25%
Non-Interest Income / Assets ? 0.10%
-9.1% YoY +104.0% QoQ
-0.46% 0.57%
+7.6% YoY
0.33%
+19.6% YoY
0.66%
+5.2% YoY
19%

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 25.3%
-3.5pp YoY
-1.8pp QoQ
 +3.1pp 22.1% 24.6% 22.2% 66%
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 11.6%
-5.3pp YoY
+0.5pp QoQ
 +0.1pp 11.6% 12.6% 12.5% 61%
CRE 51.7%
+0.1pp YoY
-1.8pp QoQ
 +12.2pp 39.5% 44.9% 41.4% 73%
1-4 Family 37.4%
+5.6pp YoY
+1.5pp QoQ
 +4.8pp 32.6% 34.2% 31.3% 66%
Consumer 0.4%
0.0pp YoY
0.0pp QoQ
 -3.7pp 4.1% 4.2% 5.0% 13%

Capital

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 22.5% 19.7% n/a
Leverage Ratio 11.1%
+0.4pp YoY
-0.2pp QoQ
 -1.0pp 12.2% 13.4% 12.6% 53%
Total Capital Ratio n/a n/a 19.9% 23.6% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Full-Time Employees 34
-3 (-8.1%) YoY
0 QoQ
 -25 58 114 482 33%
Assets per Employee ($) $5.4M
+9.7% YoY
-2.5% QoQ
 -$2.1M $7.5M $6.8M $8.8M 21%
Branch Count 5
0 YoY
0 QoQ
 0 4 9 18 55%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual 7.3%
+4.5pp YoY
-0.5pp QoQ
 +6.3pp 0.9% 1.4% 1.0% 99%
Allowance Coverage 0.19x
-51.3% YoY
+19.7% QoQ
 -23.96x 24.15x 27.36x 20.23x 1%
Net Charge-off Rate (YTD) 0.2%
+0.2pp YoY
-0.1pp QoQ
 +0.1pp 0.1% 0.1% 0.2% 85%

Profitability

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
ROE 6.0%
-4.9pp YoY
-1.3pp QoQ
 -6.2pp 12.2% 12.5% 11.6% 17%
Cost of Funds (YTD) 1.9%
-0.2pp YoY
0.0pp QoQ
 +0.2pp 1.7% 1.7% 1.7% 63%
Net Income ($, YTD) $576,000
-39.2% YoY
— QoQ
 -$2.0M $2.6M $5.1M $40.4M 12%

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 (2)

Flatlined Growth

risk
#103 of 529 • Bottom 19.3% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.63%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ | QoQ rank improving

Capital Thin

risk
#241 of 661 • Bottom 36.3% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 11.14%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (9 metrics)

2616
Delinquency Rate
credit_quality
Value: 7.25%
Peer Median: 0.92%
#2616 of 2633 Bottom 0.7% in $100M-$1B
2619
Nonperforming Asset Ratio
credit_quality
Value: 4.90%
Peer Median: 0.67%
#2619 of 2643 Bottom 0.9% in $100M-$1B
2217
Return on Assets
profitability
Value: 0.63%
Peer Median: 1.32%
#2217 of 2643 Bottom 16.2% in $100M-$1B
2147
Non-Interest Income / Assets
revenue_mix
Value: 0.10%
Peer Median: 0.57%
#2147 of 2643 Bottom 18.8% in $100M-$1B
2053
Total Assets
size
Value: $183.71M
Peer Median: $386.57M
#2053 of 2643 Bottom 22.4% in $100M-$1B
2044
Efficiency Ratio
profitability
Value: 73.52%
Peer Median: 64.48%
#2044 of 2643 Bottom 22.7% in $100M-$1B
2022
Total Loans
size
Value: $114.12M
Peer Median: $258.35M
#2022 of 2643 Bottom 23.5% in $100M-$1B
1996
Total Deposits
size
Value: $162.23M
Peer Median: $326.73M
#1996 of 2643 Bottom 24.5% in $100M-$1B
1984
Tier 1 Capital Ratio
capital
Value: 11.14%
Peer Median: 15.91%
#1984 of 2643 Bottom 25.0% in $100M-$1B
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