Citizens Bank & Trust Company
Covington, LA · Cert 16417 · Peer group: banks under $1B in assets operating in a single state (n=743-746)
State charter, non-member · FDIC · 5 branches
Q2 2026
$183.7MAssets
$115.7MLoans
$162.2MDeposits
$19.5MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 52% of banks under $1B in assets operating in a single state (rank 356 of 746).
- Widest gap: nonperforming loans / loans trails 99% of banks under $1B in assets operating in a single state (rank 738 of 743).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
0.63%
Rank 595 of 746
Net Interest Margin
3.52%
Rank 440 of 746
Efficiency Ratio
73.52%
Rank 537 of 746
Equity / Assets
10.61%
Rank 356 of 746
Non-interest income vs. expense
Unfavorable gap of $4.7M · efficiency ratio beats 28% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.63% | 0.72% | 1.06% | 1.45% | Beats 20% | 595 / 746 | |
| Return on Equity | 5.91% | 6.74% | 10.51% | 13.63% | Beats 21% | 587 / 746 | |
| Net Interest Margin | 3.52% | 3.17% | 3.68% | 4.16% | Beats 41% | 440 / 746 | |
| Efficiency Ratio | 73.52% | 55.74% | 64.58% | 75.47% | Beats 28% | 537 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 7.15% | 0.09% | 0.42% | 1.07% | Beats 1% | 738 / 743 | |
| Net Charge-Offs / Loans | 0.12% | 0.00% | 0.01% | 0.05% | Beats 13% | 646 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 11.14% | 11.55% | 13.75% | 17.60% | Beats 21% | 592 / 746 | |
| Total Risk-Based Capital Ratio | 11.14% | 11.71% | 14.33% | 18.43% | Beats 19% | 603 / 746 | |
| Equity / Assets | 10.61% | 8.90% | 10.51% | 13.06% | Beats 52% | 356 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 71.31% | 61.31% | 78.27% | 90.78% | 37th pctl | 469 / 746 | |
| Loans / Assets | 62.97% | 53.60% | 66.97% | 76.08% | 41st pctl | 442 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |