CITIZENS BANK AND TRUST COMPANY

PLAQUEMINE, LA | Small | Est. July 5, 1916, midnight | FDIC #1376 | RSSD #357937 | FDIC
Latest Report: 2025-12-31

CITIZENS BANK AND TRUST COMPANY is asn small FDIC-insured commercial bank headquartered in PLAQUEMINE, LA, established in July 5, 1916, midnight. As of 2025-12-31, the bank reported total assets of $486M and total deposits of $428M. Profitability stands at 1.02% ROA and 9.22% ROE, with a net interest margin of 4.03%. The bank's CET1 capital ratio is 13.89%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.78% and a Texas Ratio of 6.49%. FDIC Certificate #1376.

Assets

$486M

Deposits

$428M

Loans

$348M

Equity

$53M

Profitability

Return on Assets (ROA) 1.02%
Return on Equity (ROE) 9.22%
Net Interest Margin (NIM) 4.03%
Yield on Assets 5.88%
Cost of Funds 1.94%

Asset Quality

NPL Ratio 0.78%
Net Charge-Off Ratio 0.77%
Texas Ratio 6.49%
NPA Ratio 0.76%
ACL / Loans 1.02%

Capital & Liquidity

CET1 Ratio 13.89%
Tier 1 Capital 13.89%
Total Capital Ratio 14.86%
Leverage Ratio 11.71%
Loan-to-Deposit 81.31%

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