Citizens Bank and Trust Company
Citizens Bank and Trust Company is a locally rooted FDIC-insured community bank based in Plaquemine, LA. The Q1 2026 balance sheet stands at $471M in assets, including $350M in loans. Returns are in line with industry norms at 1.05% ROA and 9.22% ROE; net interest margin is 4.29%. Capital cushions are healthy: 14.10% CET1, 11.61% Tier 1 leverage. Asset quality is solid — 0.71% nonperforming loans and a 5.47% Texas Ratio. 7 branches make up the footprint.
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
- Fed District
- 13
- Established
- July 5, 1916
- Branches
- 7 domestic
- Employees (FTE)
- 79
- FDIC Cert
- 1376
- Fed RSSD
- 357937
- Parent Holding Company
- CITIZENS BANCORPORATION, INC. (RSSD 1084472)
Capital & Liquidity
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Citizens Bank and Trust Company 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 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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.
- Structure ChangeFailure, Government Assistance ProvidedFFIEC NIC
- Structure ChangeFailure, Government Assistance ProvidedFFIEC NIC
Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
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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 Q1 2026 filing, Citizens Bank and Trust Company reported total assets of $471.4 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Citizens Bank and Trust Company headquartered?
Citizens Bank and Trust Company is headquartered in PLAQUEMINE, LA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Citizens Bank and Trust Company founded?
Citizens Bank and Trust Company was established in 1916, per the FDIC institution directory.
Is Citizens Bank and Trust Company FDIC-insured?
Yes. Citizens Bank and Trust Company 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Citizens Bank and Trust Company's CET1 capital ratio?
Citizens Bank and Trust Company reported a Common Equity Tier 1 (CET1) capital ratio of 14.10% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Citizens Bank and Trust Company operate?
Citizens Bank and Trust Company operates 7 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Citizens Bank and Trust Company's Texas Ratio?
Citizens Bank and Trust Company's Texas Ratio is 5.47% — 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.
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