Plaquemine, LA · Cert 1376 · Citizens Bcorp Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
Market Position · Baton Rouge, LA · 2026 SOD (annual) · 1.5% share · #9 of 40 inst. · $0.4B of $26.7B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.79% | 0.67% | 0.79% | 0.60% | 0.90% | 0.90% | 1.04% | 1.16% | +56 bps | |
| Return on Equity | 7.42% | 6.35% | 7.35% | 5.32% | 8.03% | 8.15% | 9.22% | 10.06% | +474 bps | |
| Net Interest Margin | 3.37% | 3.56% | 3.80% | 3.72% | 3.77% | 3.85% | 3.99% | 4.08% | +36 bps | |
| Efficiency Ratio | 73.86% | 76.60% | 70.96% | 75.74% | 70.76% | 67.52% | 65.78% | 62.57% | -1,317 bps | |
| Non-Interest Burden | 2.40% | 2.59% | 2.61% | 2.75% | 2.57% | 2.46% | 2.51% | 2.42% | -33 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.53% | -0.41% | 0.65% | -0.02% | 2.90% | 2.42% | 5.70% | 7.01% | +703 bps | |
| Loan Growth (YoY) | 13.75% | 6.34% | 6.84% | 8.19% | 6.46% | 7.01% | 4.61% | 5.55% | -264 bps | |
| Deposit Growth (YoY) | 10.06% | 0.95% | 0.27% | 0.28% | -5.29% | 1.78% | 4.97% | 5.83% | +556 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.13% | 0.81% | 0.96% | 1.99% | 1.01% | 0.92% | 0.71% | 0.82% | -117 bps | |
| Net Charge-Offs / Loans | 0.97% | 0.02% | 0.08% | 0.02% | 3.02% | -0.10% | 0.14% | 0.04% | +1 bps | |
| Allowance / Loans | 1.60% | 1.66% | 1.65% | 1.56% | 0.94% | 1.02% | 1.02% | 1.01% | -55 bps | |
| Allowance Coverage of NPLs | 1.4x | 2.1x | 1.7x | 0.8x | 0.9x | 1.1x | 1.4x | 1.2x | +0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.20% | 11.15% | 11.44% | 11.71% | 11.76% | 11.68% | 11.61% | 11.93% | +22 bps | |
| Total Risk-Based Capital | 14.62% | 15.17% | 14.93% | 14.78% | 14.21% | 14.83% | 15.09% | 14.94% | +16 bps | |
| Equity / Assets | 10.71% | 10.36% | 11.25% | 11.34% | 11.16% | 10.97% | 11.52% | 11.57% | +23 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.99% | 77.34% | 85.58% | 89.80% | 93.29% | 81.31% | 85.29% | 89.57% | -24 bps | |
| Liquid Assets / Assets | 11.81% | 19.48% | 11.10% | 9.28% | 10.85% | 17.12% | 14.52% | 13.15% | +387 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 403% | 390% | 388% | n/a | n/a | |