Citizens Bank and Trust Company
Plaquemine, LA · Cert 1376 · Peer group: banks under $1B in assets (n=570-617) · Citizens Bcorp Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
$480.8MAssets
$363.1MLoans
$405.4MDeposits
$55.6MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 74% of banks under $1B in assets (rank 160 of 617).
- Widest gap: net charge-offs / loans trails 82% of banks under $1B in assets (rank 471 of 570).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.09%
Rank 280 of 617
Net Interest Margin
4.04%
Rank 160 of 617
Efficiency Ratio
64.15%
Rank 245 of 617
Equity / Assets
11.57%
Rank 246 of 617
Non-interest income vs. expense
Unfavorable gap of $11.6M · efficiency ratio beats 60% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.09% | 0.60% | 1.01% | 1.45% | Beats 55% | 280 / 617 | |
| Return on Equity | 9.42% | 5.30% | 9.43% | 13.30% | Beats 50% | 310 / 617 | |
| Net Interest Margin | 4.04% | 3.04% | 3.54% | 4.05% | Beats 74% | 160 / 617 | |
| Efficiency Ratio | 64.15% | 58.03% | 67.76% | 79.08% | Beats 60% | 245 / 617 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.82% | 0.09% | 0.47% | 1.27% | Beats 36% | 367 / 570 | |
| Net Charge-Offs / Loans | 0.10% | n/a | 0.01% | 0.06% | Beats 18% | 471 / 570 | |
| Capital |
| Tier 1 Capital Ratio | 13.97% | 11.18% | 13.83% | 18.55% | Beats 52% | 299 / 617 | |
| Total Risk-Based Capital Ratio | 14.94% | 11.56% | 14.39% | 19.39% | Beats 53% | 288 / 617 | |
| Equity / Assets | 11.57% | 9.03% | 10.55% | 13.63% | Beats 60% | 246 / 617 | |
| Liquidity & Funding |
| Loans / Deposits | 89.57% | 64.77% | 79.70% | 93.06% | 69th pctl | 182 / 582 | |
| Loans / Assets | 75.52% | 51.70% | 67.18% | 77.51% | 69th pctl | 191 / 617 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |