PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Citizens Bank & Trust Company

Covington, LA · Cert 16417

State charter, non-member · FDIC · 5 branches

Q2 2026

$183.7MAssets
$115.7MLoans
$162.2MDeposits
$19.5MEquity
Loan mix
89%RE $104.0M11%C&I $12.9M0%Consumer $0.4MQ2 2025Q2 2026
Deposit mix
75%Interest-bearing $121.2M25%Noninterest $41.0MQ2 2025Q2 2026

NIM

5.48%Q2 ’245.83%Q2 ’255.29%Q2 ’26+18%-9%

Non-interest income vs. expense

2.68%Q2 ’242.75%Q2 ’252.74%Q2 ’26-1%+0%

Market Position · Slidell-Mandeville-Covington, LA · 2026 SOD (annual) · 2.0% share · #10 of 26 inst. · $0.2B of $7.9B

Executive Summary

  • Earnings: ROA of 0.63%, down 41 bps year over year; NIM at 3.52%.
  • Asset quality: problem loans at 7.15% of loans (+448 bps YoY), with net charge-offs at 0.21%.
  • Capital: tier 1 leverage ratio of 11.14%, up 45 bps from a year ago.
  • Funding: loans stand at 71.31% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.63%-41 bps YoY

Net Interest Margin (YTD, annualized)

3.52%-36 bps YoY

Efficiency Ratio (YTD, annualized)

73.52%+647 bps YoY

Tier 1 Leverage Ratio

11.14%+45 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.04%0.97%0.96%0.77%0.63%-41 bps
Return on Equity10.93%9.93%9.62%7.32%5.99%-495 bps
Net Interest Margin3.88%3.98%3.96%3.67%3.52%-36 bps
Efficiency Ratio67.05%67.80%67.23%70.54%73.52%+647 bps
Non-Interest Burden2.53%2.62%2.59%2.53%2.54%+1 bps
Growth
Asset Growth (YoY)-1.71%-6.67%0.14%0.89%0.80%+251 bps
Loan Growth (YoY)-3.64%-7.15%-8.34%-16.01%-16.22%-1,258 bps
Deposit Growth (YoY)3.39%-1.63%-1.16%0.00%0.50%-289 bps
Asset Quality
Nonperforming Loans / Loans2.67%5.56%7.31%7.70%7.15%+448 bps
Net Charge-Offs / Loans0.00%0.00%0.18%0.29%0.21%+21 bps
Allowance / Loans1.04%1.18%1.12%1.21%1.35%+31 bps
Allowance Coverage of NPLs0.4x0.2x0.2x0.2x0.2x-0.2x
Capital
Tier 1 Leverage Ratio10.69%11.25%11.39%11.35%11.14%+45 bps
Total Risk-Based Capital10.69%11.25%11.39%11.35%11.14%+45 bps
Equity / Assets9.93%10.69%10.78%10.24%10.61%+67 bps
Liquidity & Funding
Loans / Deposits85.53%86.27%83.43%70.16%71.31%-1,423 bps
Liquid Assets / Assets8.66%6.33%10.67%21.91%19.76%+1,110 bps
CRE / Total Capitaln/a327%303%302%n/an/a