Citizens Bank & Trust Company
Citizens Bank & Trust Company is a locally rooted FDIC-insured community bank based in Covington, LA, during the postwar banking-system expansion. As of Q1 2026, the bank held approximately $188M in total assets and $167M in deposits. Profitability tracks the broader industry — ROA 0.77%, ROE 7.32%, NIM 3.78%. Under the simplified Community Bank Leverage Ratio framework, leverage of 11.35% exceeds the 9% CBLR threshold. Asset quality is impaired, with nonperforming loans at 7.70%. 5 branches make up the footprint.
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
- Fed District
- 13
- Established
- December 31, 1945
- Branches
- 5 domestic
- Employees (FTE)
- 34
- FDIC Cert
- 16417
- Fed RSSD
- 384830
- Website
- www.cbtbanking.com →
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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.
Non-performing loans (90+ days past due or non-accrual) exceed 3% of total loans — well above the typical community-bank range of 0.5–1.5%.
Citizens Bank & 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… | |||
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Frequently asked about Citizens Bank & Trust Company
What are Citizens Bank & Trust Company's total assets?
As of the Q1 2026 filing, Citizens Bank & Trust Company reported total assets of $188.4 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Citizens Bank & Trust Company headquartered?
Citizens Bank & Trust Company is headquartered in COVINGTON, LA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Citizens Bank & Trust Company founded?
Citizens Bank & Trust Company was established in 1945, per the FDIC institution directory.
Is Citizens Bank & Trust Company FDIC-insured?
Yes. Citizens Bank & Trust Company 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Citizens Bank & Trust Company operate?
Citizens Bank & Trust Company operates 5 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Citizens Bank & Trust Company's Texas Ratio?
Citizens Bank & Trust Company's Texas Ratio is 47.09% — within the typical range for US community banks (25–50%). 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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