CITIZENS BANK & TRUST COMPANY OF VIVIAN, LOUISIANA

VIVIAN, LA | Small | Est. Sept. 14, 1967, midnight | FDIC #19744 | RSSD #767554 | FDIC
Latest Report: 2025-12-31

CITIZENS BANK & TRUST COMPANY OF VIVIAN, LOUISIANA is asn small FDIC-insured commercial bank headquartered in VIVIAN, LA, established in Sept. 14, 1967, midnight. As of 2025-12-31, the bank reported total assets of $159M and total deposits of $143M. Profitability stands at 0.01% ROA and 0.08% ROE, with a net interest margin of 3.43%. The bank's CET1 capital ratio is 5.52%, below regulatory well-capitalized thresholds. Asset quality metrics show a non-performing loan ratio of 0.45% and a Texas Ratio of 2.92%. FDIC Certificate #19744.

Assets

$159M

Deposits

$143M

Loans

$71M

Equity

$10M

Profitability

Return on Assets (ROA) 0.01%
Return on Equity (ROE) 0.08%
Net Interest Margin (NIM) 3.43%
Yield on Assets 5.02%
Cost of Funds 1.56%

Asset Quality

NPL Ratio 0.45%
Net Charge-Off Ratio 2.75%
Texas Ratio 2.92%
NPA Ratio 0.20%
ACL / Loans 0.78%

Capital & Liquidity

CET1 Ratio 5.52%
Tier 1 Capital 5.52%
Total Capital Ratio 5.80%
Leverage Ratio 10.03%
Loan-to-Deposit 49.64%

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