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Citizens Savings Bank

$100M-$1B Specialty: Other LA FDIC cert 30270

Designations: ✓ Mutual

Bogalusa, 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 +1.9% year over year ($282.4M on the books).
  • Delinquency rate 0.76%.
  • Return on assets 1.28%.
  • Efficiency ratio 67.31% vs a 64.48% peer average.
  • Loan-to-deposit ratio 87.91% 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 Savings Bank has 2 strengths but faces 1 concern

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 0.91% above tier average
  • + Delinquency Rate 0.16% below tier average

Key Concerns

Areas that may need attention

  • - Efficiency Ratio 2.84% above tier average
Get updates when Citizens Savings Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Total Assets ? $329.1M
+2.9% YoY +0.8% QoQ
-$57.5M $386.6M
+1.2% YoY
$799.3M
+7.8% YoY
$6.3B
+7.7% YoY
51%
Total Loans ? $248.2M
+4.3% YoY -0.2% QoQ
-$10.1M $258.3M
+1.7% YoY
$538.5M
+5.3% YoY
$3.2B
+9.4% YoY
59%
Total Deposits ? $282.4M
+1.9% YoY +0.5% QoQ
-$44.4M $326.7M
+0.7% YoY
$677.9M
+7.3% YoY
$4.9B
+7.3% YoY
51%
Return on Assets ? 1.28%
+32.1% YoY -6.3% QoQ
-0.04% 1.32%
+10.8% YoY
1.37%
+23.6% YoY
1.30%
+12.1% YoY
52%
Net Interest Margin ? 4.90%
+8.3% YoY -0.4% QoQ
+0.91% 3.99%
+5.0% YoY
4.15%
+0.0% YoY
3.95%
+4.9% YoY
Top 9.9% in tier
Efficiency Ratio ? 67.31%
-5.1% YoY +3.9% QoQ
+2.84% 64.48%
-3.2% YoY
69.40%
-0.9% YoY
70.05%
+2.5% YoY
36%
Delinquency Rate ? 0.76%
-26.1% YoY -1.4% QoQ
-0.16% 0.92%
+15.7% YoY
1.53%
+7.9% YoY
0.98%
+16.3% YoY
35%
Loan-to-Deposit Ratio ? 87.91%
+2.3% YoY -0.7% QoQ
+9.96% 77.95%
+1.0% YoY
77.15%
-1.0% YoY
79.03%
+2.3% YoY
31%
Non-Interest-Bearing Deposit Share ? 22.00%
-3.3% YoY +0.8% QoQ
-0.03% 22.03%
-0.6% YoY
24.65%
+0.5% YoY
21.98%
-0.6% YoY
54%
Nonperforming Asset Ratio ? 0.71%
-31.4% YoY -4.3% QoQ
+0.04% 0.67%
+16.4% YoY
1.11%
+4.1% YoY
0.69%
+15.8% YoY
30%
Tier 1 Capital Ratio ? 14.33%
+3.3% YoY -0.4% QoQ
-1.58% 15.91%
+1.4% YoY
17.35%
+5.4% YoY
17.09%
+0.8% YoY
60%
Non-Interest Income / Assets ? 0.24%
+62.8% YoY +68.3% QoQ
-0.32% 0.57%
+7.6% YoY
0.33%
+19.6% YoY
0.66%
+5.2% YoY
62%

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 22.0%
-0.7pp YoY
+0.2pp QoQ
 -0.2pp 22.1% 24.6% 22.2% 54%
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 2.5%
-0.1pp YoY
0.0pp QoQ
 -9.1pp 11.6% 12.6% 12.5% 8%
CRE 25.5%
-0.7pp YoY
-0.2pp QoQ
 -14.0pp 39.5% 44.9% 41.4% 27%
1-4 Family 58.4%
+1.0pp YoY
+0.4pp QoQ
 +25.8pp 32.6% 34.2% 31.3% 88%
Consumer 5.3%
-0.3pp YoY
0.0pp QoQ
 +1.2pp 4.1% 4.2% 5.0% 79%

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 14.3%
+0.5pp YoY
-0.1pp QoQ
 +2.2pp 12.2% 13.4% 12.6% 83%
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 78
+4 (+5.4%) YoY
+3 (+4.0%) QoQ
 +19 58 114 482 76%
Assets per Employee ($) $4.2M
-2.4% YoY
-3.0% QoQ
 -$3.3M $7.5M $6.8M $8.8M 6%
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 0.0%
-0.1pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.4% 0.4% 17%
Nonaccrual 0.8%
-0.2pp YoY
0.0pp QoQ
 -0.2pp 0.9% 1.4% 1.0% 64%
Allowance Coverage 3.57x
+36.9% YoY
+1.1% QoQ
 -20.58x 24.15x 27.36x 20.23x 62%
Net Charge-off Rate (YTD) 0.2%
0.0pp YoY
-0.1pp QoQ
 0.0pp 0.1% 0.1% 0.2% 83%

Profitability

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
ROE 9.5%
+1.9pp YoY
-0.7pp QoQ
 -2.7pp 12.2% 12.5% 11.6% 33%
Cost of Funds (YTD) 2.0%
-0.1pp YoY
0.0pp QoQ
 +0.3pp 1.7% 1.7% 1.7% 72%
Net Income ($, YTD) $2.1M
+36.4% YoY
— QoQ
 -$472K $2.6M $5.1M $40.4M 54%

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

Top Strengths (1 metrics)

262
Net Interest Margin
profitability
Value: 4.90%
Peer Median: 3.99%
#262 of 2643 Top 9.9% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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