Citizens Bank & 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.
Reserve coverage of non-performing loans climbed 3.10 percentage points in Q2 2026, from 15.75% to 18.85%. It was the largest change from Q1 2026 among the key lines here. Within Louisiana, Citizens Bank & Trust Company is 87th of 103 on return on assets, 0.48% as of Q2 2026, below the middle of the field. Against a median of 1.25% for banks in the $100M-1B asset tier, Citizens Bank & Trust Company reported 0.48% on return on assets in Q2 2026, 0.77 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.14% |
| Equity capital to assets | 10.61% |
| Tangible equity to tangible assets | 10.61% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 7.15% |
| Non-performing assets ratio | 4.90% |
| Net charge-off ratio | 0.13% |
| Texas ratio | 42.74% |
| Allowance for credit losses to loans | 1.35% |
| Reserve coverage of non-performing loans | 18.85% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.48% |
| Return on equity | 4.66% |
| Net interest margin | 3.60% |
| Efficiency ratio | 76.27% |
| Yield on earning assets | 5.40% |
| Cost of funds | 1.98% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 71.31% |
| Core deposits to total deposits | 85.57% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.31% |
| Securities to assets | 14.04% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.04% | 0.70% | 3.76% | 0.22% | 1.67% |
| Q4 2023 | 9.94% | 1.13% | 3.76% | 0.20% | 0.40% |
| Q1 2024 | 10.04% | 0.52% | 3.46% | 1.86% | 0.00% |
| Q2 2024 | 9.99% | 0.73% | 3.46% | 2.50% | 0.00% |
| Q3 2024 | 10.02% | 0.87% | 3.58% | 2.48% | 0.00% |
| Q4 2024 | 10.16% | 0.56% | 3.77% | 2.50% | 0.04% |
| Q1 2025 | 10.61% | 0.95% | 3.89% | 2.70% | 0.00% |
| Q2 2025 | 10.69% | 1.12% | 4.19% | 2.67% | -0.00% |
| Q3 2025 | 11.25% | 0.82% | 4.05% | 5.56% | -0.00% |
| Q4 2025 | 11.39% | 0.92% | 3.97% | 7.31% | 0.72% |
| Q1 2026 | 11.35% | 0.77% | 3.78% | 7.70% | 0.28% |
| Q2 2026 | 11.14% | 0.48% | 3.60% | 7.15% | 0.13% |
Citizens Bank & Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Bank & 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 & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16417) · FFIEC NIC profile (RSSD 384830)