Citizens Bank and Trust Company (Plaquemine, LA)
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Data as of · sourced from FFIEC call reports. How we update
Citizens Bank and Trust Company is an FDIC-insured commercial bank headquartered in Plaquemine, LA, established in 1916 (FDIC certificate 1376), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $480.8M, up 7.0% from Q2 2025, the 42nd largest of 102 banks headquartered in Louisiana. Its CET1 capital ratio was 13.97% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 1376
- Headquarters
- Plaquemine, LA
- Established
- 1916
- Total assets, Q2 2026
- $480.8M
- Assets vs Q2 2025
- +7.0%
- CET1 ratio, Q2 2026
- 13.97%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 065403150
- Latest call report
- Q2 2026, FFIEC 051 · Citizens Bank and Trust Company call report
- Holding company
- CITIZENS BANCORPORATION, INC.
- Asset rank in state
- 42nd of 102 in Louisiana
Citizens Bank and Trust Company leans heavily on commercial real estate. Its balance sheet stood at $481 million at June 30, 2026, up 7.0% from a year earlier; it is based in Plaquemine, Louisiana. It holds commercial real estate loans worth 2.7 times its capital, about double the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets.
Earnings jumped: net income for the quarter was $1.4 million, 106% above the same quarter a year earlier. Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.82% of loans from 1.99%. One more trend to watch: the non-owner-occupied commercial real estate book ($100 million) is worsening: 2.68% of it is past due or on nonaccrual, up from 0.47% a year earlier.
As of June 30, 2026, Citizens Bank and Trust Company reported a CET1 capital ratio of 13.97%, a return on assets of 1.18%, a nonperforming-loan ratio of 0.82% and a Texas ratio of 5.49%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Citizens Bank and Trust Company is the 42nd largest of the 102 banks headquartered in Louisiana. From Q1 2026 to Q2 2026, its total assets rose 2.0% to $480.8M, loans rose 3.8% and deposits fell 1.2%. Non-owner-occupied commercial real estate loans made up 27.6% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 27.3%. The FDIC Summary of Deposits lists 7 offices for it, in Baton Rouge, LA and Plaquemine, LA; its Baton Rouge 4 offices book 51% of its branch deposits. Judged on its Q2 2026 call report, Citizens Bank and Trust Company meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 57910 Main St, Plaquemine, LA 70764
- County
- Iberville
- Metro Area
- Baton Rouge, LA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- July 5, 1916
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 81
- Domestic deposits
- $405.4M
- Allowance for credit losses
- $3.7M
- Net charge-offs (YTD)
- $155K
- Average total assets
- $469.6M
- Average total loans
- $356.3M
- Average interest-bearing deposits
- $288.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1376
- Fed RSSD
- 357937
- Website
- www.citizensbankandtrust.com →
- Parent Holding Company
- CITIZENS BANCORPORATION, INC. (RSSD 1084472)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Citizens Bank and Trust Company's total assets moved between a low of $424.8M (Q3 2023) and a high of $486.1M (Q4 2025) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$480.8M total assets against $449.3M; $425.2M total liabilities against $398.4M.
$359.4M net loans and leases against $338.6M; $405.4M total deposits against $383.1M.
$68.6M securities against $66.8M; $23.8M cash and balances due against $15.0M.
$6.5M total interest income against $5.9M; $1.8M total interest expense against $1.8M.
$4.8M net interest income against $4.1M.
$414K total noninterest income against $310K; $3.3M total noninterest expense against $3.3M.
$150K provision for credit losses against $165K.
$1.4M net income against $672K.
1.18% return on assets against 0.61%; 4.38% net interest margin against 3.99%.
13.97% CET1 capital ratio against 13.53%; 11.93% tier 1 leverage ratio against 11.71%.
Inside the full Citizens Bank and Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Citizens Bank and Trust Company rankings
Its closest position to the top of a national ranking is 1,225 of 3,640, for Texas Ratio; its furthest is 2,090 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.61% (Q2 2025) to 1.18% (Q2 2026) and its net interest margin ran from 3.61% (Q3 2024) to 4.38% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.97% | 1.18% | 0.82% | 5.49% | 4.38% |
| Q1 2026 | 14.10% | 1.05% | 0.71% | 5.47% | 4.29% |
| Q4 2025 | 13.85% | 0.94% | 0.92% | 7.39% | 4.15% |
| Q3 2025 | 13.31% | 0.92% | 1.01% | 7.98% | 4.03% |
| Q2 2025 | 13.53% | 0.61% | 1.99% | 13.46% | 3.99% |
| Q1 2025 | 13.68% | 0.82% | 0.96% | 7.86% | 4.09% |
| Q4 2024 | 13.91% | 0.69% | 0.81% | 6.85% | 3.83% |
| Q3 2024 | 13.37% | 0.80% | 1.13% | 9.47% | 3.61% |
Swipe the table sideways to see every column.
Branch Network
View all 7 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Citizens Bank & Trust Company | Plaquemine , LA | 70764 | $162.1M |
| Citizens Bank Bocage Branch | Baton Rouge , LA | 70809 | $90.3M |
| Sherwood Forest Branch | Baton Rouge , LA | 70816 | $43.8M |
| Perkins Rowe Branch | Baton Rouge , LA | 70810 | $41.0M |
| Belleview Branch | Plaquemine , LA | 70764 | $38.5M |
| O'Neal Lane Branch | Baton Rouge , LA | 70817 | $29.8M |
| Operations Center Branch | Plaquemine , LA | 70764 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| August 27, 1994 | Structure Change | Acquired Oak Tree Federal Savings Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| September 14, 1991 | Structure Change | Acquired Louisiana Savings Association, F.A. Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in LA, rank 51 of 118 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 99 applications, 83 loans originated, $20.5M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 8 loans, $2.3M approved, $286K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Citizens Bank and Trust Company
What are Citizens Bank and Trust Company's total assets?
As of the Q2 2026 filing, Citizens Bank and Trust Company reported total assets of $480.8 million in its FFIEC call report.
Where is Citizens Bank and Trust Company headquartered?
It is headquartered in Plaquemine, LA, United States.
When was Citizens Bank and Trust Company founded?
It was established in 1916, per the FDIC institution directory.
Is Citizens Bank and Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #1376). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Citizens Bank and Trust Company?
Citizens Bank and Trust Company's primary federal regulator is the FDIC.
What is Citizens Bank and Trust Company's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.97% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Citizens Bank and Trust Company operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Citizens Bank and Trust Company's Texas Ratio?
Its Texas Ratio is 5.49% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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