Citizens Bank & Trust Company (Covington, LA)
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Data as of · sourced from FFIEC call reports. How we update
Citizens Bank & Trust Company is an FDIC-insured commercial bank headquartered in Covington, LA, established in 1945 (FDIC certificate 16417), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $183.7M, up 0.8% from Q2 2025, the 77th largest of 102 banks headquartered in Louisiana. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.14% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 16417
- Headquarters
- Covington, LA
- Established
- 1945
- Total assets, Q2 2026
- $183.7M
- Assets vs Q2 2025
- +0.8%
- Tier 1 leverage ratio, Q2 2026
- 11.14%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 065404544
- Latest call report
- Q2 2026, FFIEC 051 · Citizens Bank & Trust Company call report
- Asset rank in state
- 77th of 102 in Louisiana
Problem loans are rising at Citizens Bank & Trust Company. Based in Covington, Louisiana, it had $184 million in assets at June 30, 2026. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 4.05% of loans from 1.63% a year earlier. It carries problem assets equal to 25.7% of the capital and reserves that would absorb them, 9.7 times the median of 2.6% for the 2,660 banks with $100 million to $1 billion in assets. It also shrank its loan book 16.2% over the year, lower than about 9 in 10 banks its size (median 5.5%).
Earnings fell sharply: quarterly net income of $226,000 was 56% below a year earlier. Over the same year, loans shrank 16.2% and deposits grew 0.5%. Profitability lags: it earns about $0.48 a year on every $100 of assets, about a third the median of $1.28 for banks its size.
As of June 30, 2026, Citizens Bank & Trust Company reported a return on assets of 0.48%, a nonperforming-loan ratio of 7.15% and a Texas ratio of 25.69%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Citizens Bank & Trust Company is the 77th largest of the 102 banks headquartered in Louisiana. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 2.5% to $183.7M, loans fell 1.5% and deposits fell 3.0%. 1-4 family residential loans made up 36.9% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 20.4%. The FDIC Summary of Deposits lists 5 offices for it, in Covington, LA, Abita Springs, LA and Mandeville, LA; its Covington 3 offices book 65% of its branch deposits. Judged on its Q2 2026 call report, Citizens Bank & Trust Company meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 222 N New Hampshire St, Covington, LA 70433
- County
- St. Tammany
- Metro Area
- Slidell-Mandeville-Covington, 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
- December 31, 1945
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 34
- Domestic deposits
- $162.2M
- Allowance for credit losses
- $1.6M
- Net charge-offs (YTD)
- $122K
- Average total assets
- $186.5M
- Average total loans
- $116.1M
- Average interest-bearing deposits
- $121.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 10, 1946
- FDIC Cert
- 16417
- Fed RSSD
- 384830
- Website
- www.cbtbanking.com →
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Citizens Bank & Trust Company reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Citizens Bank & Trust Company's total assets ran between $174.8M (Q3 2025) and $188.4M (Q1 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
$183.7M total assets against $182.2M; $164.2M total liabilities against $164.1M.
$114.1M net loans and leases against $136.6M; $162.2M total deposits against $161.4M.
$25.8M securities against $22.6M; $38.2M cash and balances due against $17.7M.
$2.4M total interest income against $2.8M; $815K total interest expense against $883K.
$1.6M net interest income against $1.9M.
$93K total noninterest income against $109K; $1.3M total noninterest expense against $1.3M.
$176K provision for credit losses against $50K.
$226K net income against $515K.
0.48% return on assets against 1.12%; 3.60% net interest margin against 4.19%.
11.14% tier 1 leverage ratio against 10.69%.
Inside the full Citizens Bank & 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.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Citizens Bank & Trust Company rankings
Its closest position to the top of a national ranking is 94 of 3,640, for Texas Ratio; its furthest is 3,259 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.48% (Q2 2026) to 1.12% (Q2 2025) and its net interest margin ran from 3.58% (Q3 2024) to 4.19% (Q2 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.14% | 0.48% | 7.15% | 25.69% | 3.60% |
| Q1 2026 | 11.35% | 0.77% | 7.70% | 30.09% | 3.78% |
| Q4 2025 | 11.39% | 0.92% | 7.31% | 28.85% | 3.97% |
| Q3 2025 | 11.25% | 0.82% | 5.56% | 18.58% | 4.05% |
| Q2 2025 | 10.69% | 1.12% | 2.67% | 11.54% | 4.19% |
| Q1 2025 | 10.61% | 0.95% | 2.70% | 12.30% | 3.89% |
| Q4 2024 | 10.16% | 0.56% | 2.50% | 19.67% | 3.77% |
| Q3 2024 | 10.02% | 0.87% | 2.48% | 19.64% | 3.58% |
Swipe the table sideways to see every column.
Branch Network
View all 5 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 (main office) | Covington , LA | 70433 | $68.1M |
| Abita Springs Branch | Abita Springs , LA | 70420 | $31.2M |
| Mandeville Branch | Mandeville , LA | 70448 | $25.3M |
| Highway 25 Branch | Covington , LA | 70435 | $20.2M |
| Barker's Corner Branch | Covington , LA | 70435 | $17.3M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in LA, rank 86 of 118 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 & Trust Company
What are Citizens Bank & Trust Company's total assets?
As of the Q2 2026 filing, Citizens Bank & Trust Company reported total assets of $183.7 million in its FFIEC call report.
Where is Citizens Bank & Trust Company headquartered?
It is headquartered in Covington, LA, United States.
When was Citizens Bank & Trust Company founded?
It was established in 1945, per the FDIC institution directory.
Is Citizens Bank & Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #16417). 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?
Citizens Bank & Trust Company's primary federal regulator is the FDIC.
How many branches does Citizens Bank & Trust Company operate?
It operates 5 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 & Trust Company's Texas Ratio?
Its Texas Ratio is 25.69% 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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