Citizens Bank and Trust Company
Plaquemine, LA · Cert 1376 · Peer group: banks under $1B in assets (n=581-629) · 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 163 of 629).
- Widest gap: net charge-offs / loans trails 81% of banks under $1B in assets (rank 470 of 581).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.09%
Rank 285 of 629
Net Interest Margin
4.04%
Rank 163 of 629
Efficiency Ratio
64.15%
Rank 248 of 629
Equity / Assets
11.57%
Rank 256 of 629
Non-interest income vs. expense
Unfavorable gap of $11.6M · efficiency ratio beats 61% 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% | 285 / 629 | |
| Return on Equity | 9.42% | 5.38% | 9.30% | 13.28% | Beats 50% | 312 / 629 | |
| Net Interest Margin | 4.04% | 3.03% | 3.54% | 4.05% | Beats 74% | 163 / 629 | |
| Efficiency Ratio | 64.15% | 58.35% | 67.79% | 79.08% | Beats 61% | 248 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.82% | 0.09% | 0.46% | 1.20% | Beats 35% | 376 / 581 | |
| Net Charge-Offs / Loans | 0.10% | n/a | 0.01% | 0.06% | Beats 19% | 470 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 13.97% | 11.24% | 13.84% | 18.77% | Beats 51% | 306 / 629 | |
| Total Risk-Based Capital Ratio | 14.94% | 11.58% | 14.43% | 19.66% | Beats 53% | 295 / 629 | |
| Equity / Assets | 11.57% | 9.09% | 10.65% | 13.80% | Beats 59% | 256 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 89.57% | 67.24% | 80.90% | 93.48% | 68th pctl | 192 / 594 | |
| Loans / Assets | 75.52% | 53.31% | 67.71% | 78.15% | 68th pctl | 204 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |