CITIZENS SAVINGS BANK

BOGALUSA, LA | Small | Est. Jan. 1, 1945, midnight | FDIC #30270 | RSSD #1014376 | FDIC
Latest Report: 2025-12-31

CITIZENS SAVINGS BANK is asn small FDIC-insured commercial bank headquartered in BOGALUSA, LA, established in Jan. 1, 1945, midnight. As of 2025-12-31, the bank reported total assets of $319M and total deposits of $274M. Profitability stands at 0.17% ROA and 1.23% ROE, with a net interest margin of 4.85%. The bank's CET1 capital ratio is 13.48%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.81% and a Texas Ratio of 5.52%. FDIC Certificate #30270.

Assets

$319M

Deposits

$274M

Loans

$254M

Equity

$43M

Profitability

Return on Assets (ROA) 0.17%
Return on Equity (ROE) 1.23%
Net Interest Margin (NIM) 4.85%
Yield on Assets 6.97%
Cost of Funds 2.27%

Asset Quality

NPL Ratio 0.81%
Net Charge-Off Ratio 0.20%
Texas Ratio 5.52%
NPA Ratio 0.87%
ACL / Loans 2.76%

Capital & Liquidity

CET1 Ratio 13.48%
Tier 1 Capital 13.48%
Total Capital Ratio 14.16%
Leverage Ratio 14.06%
Loan-to-Deposit 92.85%

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