CITIZENS BANK & TRUST COMPANY

COVINGTON, LA | Small | Est. Dec. 31, 1945, midnight | FDIC #16417 | RSSD #384830 | FDIC
Latest Report: 2025-12-31

CITIZENS BANK & TRUST COMPANY is asn small FDIC-insured commercial bank headquartered in COVINGTON, LA, established in Dec. 31, 1945, midnight. As of 2025-12-31, the bank reported total assets of $176M and total deposits of $155M. Profitability stands at 0.93% ROA and 8.69% ROE, with a net interest margin of 4.22%. The bank's CET1 capital ratio is 10.78%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 7.31% and a Texas Ratio of 46.31%. FDIC Certificate #16417.

Assets

$176M

Deposits

$155M

Loans

$129M

Equity

$19M

Profitability

Return on Assets (ROA) 0.93%
Return on Equity (ROE) 8.69%
Net Interest Margin (NIM) 4.22%
Yield on Assets 6.27%
Cost of Funds 2.14%

Asset Quality

NPL Ratio 7.31%
Net Charge-Off Ratio 0.18%
Texas Ratio 46.31%
NPA Ratio 5.37%
ACL / Loans 1.12%

Capital & Liquidity

CET1 Ratio 10.78%
Tier 1 Capital 10.78%
Total Capital Ratio 11.32%
Leverage Ratio 11.39%
Loan-to-Deposit 83.43%

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