Citizens Bank and Trust Company: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Loan-to-deposit ratio climbed 4.27 percentage points in Q2 2026, from 85.29% to 89.57%. It was the largest change from Q1 2026 among the key lines here. Within Louisiana, Citizens Bank and Trust Company is 57th of 103 on return on assets, 1.18% as of Q2 2026, below the middle of the field. Citizens Bank and Trust Company reported 1.18% on return on assets for Q2 2026, 0.08 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.97% |
| Tier 1 risk-based capital ratio | 13.97% |
| Total risk-based capital ratio | 14.94% |
| Tier 1 leverage ratio | 11.93% |
| Equity capital to assets | 11.57% |
| Tangible equity to tangible assets | 11.57% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.71% |
| Non-performing assets ratio | 0.59% |
| Net charge-off ratio | 0.04% |
| Texas ratio | 5.49% |
| Allowance for credit losses to loans | 1.01% |
| Reserve coverage of non-performing loans | 143.54% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.18% |
| Return on equity | 10.06% |
| Net interest margin | 4.38% |
| Efficiency ratio | 62.42% |
| Yield on earning assets | 5.97% |
| Cost of funds | 1.72% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.57% |
| Core deposits to total deposits | 93.87% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 84.32% |
| Securities to assets | 14.27% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 14.41% | 14.41% | 15.66% | 11.42% | 0.99% |
| Q4 2023 | 13.41% | 13.41% | 14.67% | 11.58% | 0.68% |
| Q1 2024 | 13.68% | 13.68% | 14.94% | 11.19% | 0.54% |
| Q2 2024 | 13.56% | 13.56% | 14.81% | 11.16% | 0.43% |
| Q3 2024 | 13.37% | 13.37% | 14.62% | 11.20% | 0.80% |
| Q4 2024 | 13.91% | 13.91% | 15.17% | 11.15% | 0.69% |
| Q1 2025 | 13.68% | 13.68% | 14.93% | 11.44% | 0.82% |
| Q2 2025 | 13.53% | 13.53% | 14.78% | 11.71% | 0.61% |
| Q3 2025 | 13.31% | 13.31% | 14.21% | 11.76% | 0.92% |
| Q4 2025 | 13.85% | 13.85% | 14.83% | 11.68% | 0.94% |
| Q1 2026 | 14.10% | 14.10% | 15.09% | 11.61% | 1.05% |
| Q2 2026 | 13.97% | 13.97% | 14.94% | 11.93% | 1.18% |
Citizens Bank and Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Bank and Trust Company, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Citizens Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1376) · FFIEC NIC profile (RSSD 357937)