BlastPoint's Banking Scorecard

Citizens Bank & Trust Company of Vivian, Louisiana

$100M-$1B Specialty: Other LA FDIC cert 19744

Vivian, LA

7 branches across LA

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

Citizens Bank & Trust Company of Vivian, Louisiana has 2 strengths but faces 5 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

+ Revenue Diversifier: Top 25.2% in tier
+ Delinquency Rate 0.33% below tier average

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 4.5% in tier
- Capital Thin: Bottom 11.4% in tier
- Return on Assets 0.92% below tier average
- Efficiency Ratio 28.15% above tier average
- Net Interest Margin 0.60% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Total Assets ?	$155.8M -0.1% YoY -2.0% QoQ	-$230.3M	$386.1M +0.5% YoY	$784.8M +7.0% YoY	$6.2B +9.1% YoY	16%
Total Loans ?	$67.9M -1.8% YoY -3.3% QoQ	-$187.8M	$255.7M +1.1% YoY	$523.7M +4.0% YoY	$3.2B +10.8% YoY	Bottom 6.8% in tier
Total Deposits ?	$143.2M +2.6% YoY +0.5% QoQ	-$184.7M	$328.0M +0.1% YoY	$671.5M +6.9% YoY	$4.8B +8.2% YoY	19%
Return on Assets ?	0.35% +203.1% YoY +130.8% QoQ	-0.92%	1.27% +12.9% YoY	1.24% +12.4% YoY	1.23% +13.4% YoY	Bottom 9.3% in tier
Net Interest Margin ?	3.33% +5.0% YoY -1.7% QoQ	-0.60%	3.93% +6.0% YoY	4.12% +1.2% YoY	3.89% +5.7% YoY	23%
Efficiency Ratio ?	93.43% -13.2% YoY -4.9% QoQ	+28.15%	65.29% -4.5% YoY	70.37% -1.0% YoY	66.95% -4.1% YoY	Bottom 4.6% in tier
Delinquency Rate ?	0.56% -84.1% YoY +4.2% QoQ	-0.33%	0.89% +18.8% YoY	1.51% +4.5% YoY	0.95% +18.8% YoY	42%
Loan-to-Deposit Ratio ?	47.40% -4.3% YoY -3.8% QoQ	-29.24%	76.64% +0.8% YoY	75.16% -1.5% YoY	76.70% +0.9% YoY	Top 7.7% in tier
Non-Interest-Bearing Deposit Share ?	27.14% -6.5% YoY +2.8% QoQ	+5.12%	22.02% -1.0% YoY	24.55% -1.4% YoY	22.01% -1.2% YoY	74%
Nonperforming Asset Ratio ?	0.27% -83.8% YoY +15.4% QoQ	-0.37%	0.64% +19.7% YoY	1.07% +4.2% YoY	0.67% +19.3% YoY	53%
Tier 1 Capital Ratio ?	10.17% -8.6% YoY +1.4% QoQ	-5.66%	15.83% +1.5% YoY	16.56% +0.4% YoY	17.06% +0.8% YoY	Bottom 11.6% in tier
Non-Interest Income / Assets ?	0.59% +43.8% YoY -70.8% QoQ	+0.31%	0.28% +9.3% YoY	0.11% -17.3% YoY	0.32% +4.1% YoY	Top 2.7% in tier

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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 (1)

Revenue Diversifier

growth

#169 of 666 • Top 25.2% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.59%

(Tier: 0.28%, National: 0.32%)

better than tier avg

Return on Assets: 0.35%

(Tier: 1.27%, National: 1.23%)

but worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Concerns (2)

Flatlined Growth

risk

#24 of 512 • Bottom 4.5% 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: 0.35%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

512 of 512 Community banks match · 687 nationally

→ Stable +32 banks QoQ

Capital Thin

risk

#77 of 666 • Bottom 11.4% 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: 10.17%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

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 (2 metrics)

Non-Interest Income / Assets

revenue_mix

Value: 0.59%

Peer Median: 0.28%

#72 of 2664 Top 2.7% in $100M-$1B

205

Loan-to-Deposit Ratio

liquidity

Value: 47.40%

Peer Median: 76.64%

#205 of 2664 Top 7.7% in $100M-$1B

Top Weaknesses (7 metrics)

2543

Efficiency Ratio

profitability

Value: 93.43%

Peer Median: 65.29%

#2543 of 2664 Bottom 4.6% in $100M-$1B

2483

Total Loans

size

Value: $67.90M

Peer Median: $255.72M

#2483 of 2664 Bottom 6.8% in $100M-$1B

2418

Return on Assets

profitability

Value: 0.35%

Peer Median: 1.27%

#2418 of 2664 Bottom 9.3% in $100M-$1B

2355

Tier 1 Capital Ratio

capital

Value: 10.17%

Peer Median: 15.83%

#2355 of 2664 Bottom 11.6% in $100M-$1B

2240

Total Assets

size

Value: $155.79M

Peer Median: $386.08M

#2240 of 2664 Bottom 16.0% in $100M-$1B

2156

Total Deposits

size

Value: $143.24M

Peer Median: $327.97M

#2156 of 2664 Bottom 19.1% in $100M-$1B

2054

Net Interest Margin

profitability

Value: 3.33%

Peer Median: 3.93%

#2054 of 2664 Bottom 22.9% in $100M-$1B