CITIZENS BANK & TRUST COMPANY OF VIVIAN, LOUISIANA
CITIZENS BANK & TRUST COMPANY OF VIVIAN, LOUISIANA is an FDIC-insured commercial bank headquartered in VIVIAN, LA, established in 1967. As of , 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 3.36%. CET1 capital ratio: 5.99%, below the well-capitalized threshold. NPL ratio: 0.63% · Texas Ratio: 4.11%. Operates 6 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
The bank's Common Equity Tier 1 ratio is below the 7% effective floor (4.5% minimum + 2.5% conservation buffer) — triggers regulatory restrictions on dividends, buybacks, and discretionary bonuses.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
Citizens Bank & Trust Company of Vivian, Louisiana rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 5.99% | 0.01% | 0.63% | 4.11% | 3.36% |
| 2025-09-30 | 5.77% | 0.33% | 0.92% | 7.98% | 3.37% |
| 2025-06-30 | 5.13% | -4.61% | 0.87% | 8.18% | 3.21% |
| 2025-03-31 | 5.95% | -0.34% | 3.11% | 22.28% | 3.03% |
| 2024-12-31 | 5.47% | 0.36% | 3.46% | 26.10% | 2.93% |
| 2024-09-30 | 6.46% | -0.10% | 3.48% | 22.63% | 2.80% |
| 2024-06-30 | 5.01% | 0.41% | 3.33% | 27.01% | 2.91% |
| 2024-03-31 | 4.89% | -0.34% | 3.87% | 29.85% | 2.70% |
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Frequently asked about CITIZENS BANK & TRUST COMPANY OF VIVIAN, LOUISIANA
What are Citizens Bank & Trust Company of Vivian, Louisiana's total assets?
As of the Q4 2025 filing, Citizens Bank & Trust Company of Vivian, Louisiana reported total assets of $159.0 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Citizens Bank & Trust Company of Vivian, Louisiana headquartered?
Citizens Bank & Trust Company of Vivian, Louisiana is headquartered in VIVIAN, LA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Citizens Bank & Trust Company of Vivian, Louisiana founded?
Citizens Bank & Trust Company of Vivian, Louisiana was established in 1967, per the FDIC institution directory.
Is Citizens Bank & Trust Company of Vivian, Louisiana FDIC-insured?
Yes. Citizens Bank & Trust Company of Vivian, Louisiana is an FDIC-insured commercial bank (FDIC Certificate #19744). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Citizens Bank & Trust Company of Vivian, Louisiana?
Citizens Bank & Trust Company of Vivian, Louisiana's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Citizens Bank & Trust Company of Vivian, Louisiana's CET1 capital ratio?
Citizens Bank & Trust Company of Vivian, Louisiana reported a Common Equity Tier 1 (CET1) capital ratio of 5.99% in its most recent quarterly filing — below the well-capitalized threshold.
How many branches does Citizens Bank & Trust Company of Vivian, Louisiana operate?
Citizens Bank & Trust Company of Vivian, Louisiana operates 6 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Citizens Bank & Trust Company of Vivian, Louisiana's Texas Ratio?
Citizens Bank & Trust Company of Vivian, Louisiana's Texas Ratio is 4.11% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.