Citizens Bank & Trust Company of Vivian, Louisiana: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) dropped 7.13 percentage points in Q2 2026, from 97.23% to 90.10%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Citizens Bank & Trust Company of Vivian, Louisiana is 9th from the bottom among 103 Louisiana banks, 47.18% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Citizens Bank & Trust Company of Vivian, Louisiana sits 33.65 points lower, at 47.18% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $69.2M |
| Net loans and leases | $68.6M |
| Loans held for sale | $3.5M |
| Loans to total assets | 43.35% |
| Loan-to-deposit ratio | 47.18% |
| Net loans to equity capital | 6.64% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 28.81% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 10.18% |
| Consumer | 5.32% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 90.10% |
| Construction concentration (Tier 1 capital + allowance) | 38.64% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.78% |
| Interest income on loans | $1.3M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $70.3M | $140.5M | 29.98% | 6.09% | 4.58% |
| Q4 2023 | $67.4M | $145.3M | 33.48% | 5.86% | 4.93% |
| Q1 2024 | $67.4M | $136.8M | 33.60% | 5.98% | 4.78% |
| Q2 2024 | $71.2M | $139.9M | 32.45% | 7.72% | 4.68% |
| Q3 2024 | $73.0M | $142.4M | 29.89% | 6.64% | 4.81% |
| Q4 2024 | $69.0M | $141.4M | 34.08% | 7.34% | 5.09% |
| Q1 2025 | $69.7M | $139.7M | 33.76% | 6.70% | 4.85% |
| Q2 2025 | $65.5M | $139.6M | 35.04% | 7.54% | 5.13% |
| Q3 2025 | $69.6M | $144.0M | 33.52% | 10.84% | 5.07% |
| Q4 2025 | $70.7M | $142.5M | 33.41% | 9.74% | 5.13% |
| Q1 2026 | $68.4M | $143.2M | 29.36% | 9.32% | 5.20% |
| Q2 2026 | $69.2M | $146.7M | 28.81% | 10.18% | 5.32% |
Citizens Bank & Trust Company of Vivian, Louisiana loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Bank & Trust Company of Vivian, Louisiana, freeSource: Call Report Schedule RC-C, 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 of Vivian, Louisiana profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19744) · FFIEC NIC profile (RSSD 767554)