Banks CITIZENS BANK & TRUST COMPANY

CITIZENS BANK & TRUST COMPANY

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

CITIZENS BANK & TRUST COMPANY is an 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%. CET1 capital ratio: 10.78%, well above regulatory minimums. NPL ratio: 7.31% · Texas Ratio: 46.31%.

Assets
$176M
Deposits
$155M
Loans
$129M
Equity
$19M

Profitability

Return on Assets (ROA)0.93%
Return on Equity (ROE)8.69%
Net Interest Margin4.22%
Yield on Assets6.27%
Cost of Funds2.14%

Asset Quality

NPL Ratio7.31%
Net Charge-Off Ratio0.18%
Texas Ratio46.31%
NPA Ratio5.37%
ACL / Loans1.12%

Capital & Liquidity

CET1 Ratio10.78%
Tier 1 Capital10.78%
Total Capital Ratio11.32%
Leverage Ratio11.39%
Loan-to-Deposit83.43%

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