Citizens Bank & Trust Company of Vivian, Louisiana
Citizens Bank & Trust Company of Vivian, Louisiana is an FDIC-insured commercial bank headquartered in Vivian, LA, supervised by the FDIC, with $159.6M in total assets at Q2 2026, up 3.3% from Q2 2025, the 82nd largest of 102 banks headquartered in Louisiana. It was established in 1967 and holds FDIC certificate 19744. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.31% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
Also written as CB&T
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 19744
- Headquarters
- Vivian, LA
- Established
- 1967
- Total assets, Q2 2026
- $159.6M
- Assets vs Q2 2025
- +3.3%
- Tier 1 leverage ratio, Q2 2026
- 10.31%
- Domestic offices
- 7 · Citizens Bank & Trust Company of Vivian, Louisiana branches FDIC institution directory, current count
- Routing number
- 111101694
- Safety and soundness
- Is Citizens Bank & Trust Company of Vivian, Louisiana safe?
- Latest call report
- Q2 2026, FFIEC 051 · Citizens Bank & Trust Company of Vivian, Louisiana Q3 2026 call report, filed October 27, 2026 (preliminary)
- Holding company
- C B & T BANCSHARES, INC.
- Asset rank in state
- 82nd of 102 in Louisiana
Citizens Bank & Trust Company of Vivian, Louisiana spends more to run itself than most banks of its size. Its balance sheet stood at $160 million at June 30, 2026, up 3.3% from a year earlier; it is based in Vivian, Louisiana. It spends about 87 cents to bring in each dollar of revenue, higher than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 61 cents). It also earns about $0.66 a year on every $100 of assets, about half the median of $1.28 for banks its size.
Its $7.0 million commercial and industrial book is improving, with 0.18% past due or on nonaccrual, down from 18.00% a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $7.3 million equal 43% of Tier 1 capital, down from 52% a year earlier.
As of June 30, 2026, Citizens Bank & Trust Company of Vivian, Louisiana reported a return on assets of 0.66%, a nonperforming-loan ratio of 0.87% and a Texas ratio of 5.90%. The figures come from its call report filed with the FFIEC.
Of the 102 banks headquartered in Louisiana, Citizens Bank & Trust Company of Vivian, Louisiana is the 82nd largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 2.5% to $159.6M, loans rose 1.1% and deposits rose 2.4%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 45.5% of total loans, ahead of owner-occupied commercial real estate loans at 15.8%. The FDIC Summary of Deposits lists 6 offices for it, in 5 cities in LA; its Vivian office books 44% of its branch deposits. On its Q2 2026 call report, Citizens Bank & Trust Company of Vivian, Louisiana meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 120 W Arkansas Ave, Vivian, LA 71082
- County
- Caddo
- Metro Area
- Shreveport-Bossier City, 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 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- September 14, 1967
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 57
- Domestic deposits
- $146.7M
- Allowance for credit losses
- $594K
- Net charge-offs (YTD)
- $4K
- Average total assets
- $164.6M
- Average total loans
- $67.9M
- Average interest-bearing deposits
- $106.3M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 14, 1967
- FDIC Cert
- 19744
- Fed RSSD
- 767554
- Website
- www.cbtofvivian.com →
- Parent Holding Company
- C B & T BANCSHARES, INC. (RSSD 3010288)
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. After a merger that grows assets 25% or more, the UBPR averages balances from the merger date on while the income stays year to date, so a YTD ratio can differ widely from the ratio of either quarter. 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 of Vivian, Louisiana 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 of Vivian, Louisiana's total assets ran between $154.5M (Q2 2025) and $168.2M (Q4 2023), and it earned a profit in 7 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$159.6M total assets against $154.5M; $149.3M total liabilities against $145.9M.
$68.6M net loans and leases against $64.8M; $146.7M total deposits against $139.6M.
$62.7M securities against $68.7M; $16.7M cash and balances due against $9.4M.
$1.9M total interest income against $1.7M; $541K total interest expense against $542K.
$1.3M net interest income against $1.2M.
$1.2M total noninterest income against $771K; $2.2M total noninterest expense against $1.8M.
$44K provision for credit losses against $1.9M.
$270K net income against -$1.8M.
0.66% return on assets against -4.36%; 3.58% net interest margin against 3.16%.
10.31% tier 1 leverage ratio against 10.02%.
Inside the full Citizens Bank & Trust Company of Vivian, Louisiana terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCitizens Bank & Trust Company of Vivian, Louisiana rankings
Its closest position to the top of a national ranking is 1,144 of 3,640, for Texas Ratio; its furthest is 3,418 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -4.36% (Q2 2025) to 0.66% (Q2 2026) and its net interest margin ran from 2.73% (Q3 2024) to 3.58% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.31% | 0.66% | 0.87% | 5.90% | 3.58% |
| Q1 2026 | 10.17% | 0.34% | 0.55% | 4.33% | 3.24% |
| Q4 2025 | 10.03% | 0.00% | 0.53% | 3.73% | 3.34% |
| Q3 2025 | 10.08% | 0.31% | 0.93% | 8.69% | 3.34% |
| Q2 2025 | 10.02% | -4.36% | 1.07% | 10.45% | 3.16% |
| Q1 2025 | 11.12% | -0.32% | 3.47% | 26.66% | 2.98% |
| Q4 2024 | 10.87% | 0.34% | 3.63% | 29.61% | 2.97% |
| Q3 2024 | 10.65% | -0.10% | 3.63% | 25.18% | 2.73% |
Swipe the table sideways to see every column.
Branch Network
View all 6 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 of Vivian, Louisiana (main office) | Vivian , LA | 71082 | $64.8M |
| Northwood Branch | Shreveport , LA | 71107 | $41.2M |
| Oil City Branch | Oil City , LA | 71061 | $16.5M |
| Shreveport Branch | Shreveport , LA | 71105 | $16.1M |
| Benton Branch | Benton , LA | 71006 | $6.6M |
| Haughton Branch | Haughton , LA | 71037 | $1.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in LA, rank 90 of 118 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 322 applications, 308 loans originated, $63.3M originated, across 7 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $90K approved, $90K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2008 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 of Vivian, Louisiana
What are Citizens Bank & Trust Company of Vivian, Louisiana's total assets?
As of the Q2 2026 filing, Citizens Bank & Trust Company of Vivian, Louisiana reported total assets of $159.6 million in its FFIEC call report.
Where is Citizens Bank & Trust Company of Vivian, Louisiana headquartered?
It is headquartered in Vivian, LA, United States.
When was Citizens Bank & Trust Company of Vivian, Louisiana founded?
It was established in 1967, per the FDIC institution directory.
Is Citizens Bank & Trust Company of Vivian, Louisiana FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #19744). 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 of Vivian, Louisiana?
Citizens Bank & Trust Company of Vivian, Louisiana's primary federal regulator is the FDIC.
How many branches does Citizens Bank & Trust Company of Vivian, Louisiana operate?
It operates 7 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 of Vivian, Louisiana's Texas Ratio?
Its Texas Ratio is 5.90% 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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