Citizens Bank & Trust Company of Vivian, Louisiana: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Citizens Bank & Trust Company of Vivian, Louisiana of Vivian, LA against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.66% | 1.35% | -0.69% | 17th bottom |
| ROAE | 10.62% | 12.05% | -1.43% | 40th below |
| Net Interest Margin | 3.58% | 3.90% | -0.32% | 31st below |
| Efficiency Ratio | 87.00% | 63.14% | +23.86% | 8th bottom |
| PPNR / Avg Assets | 0.74% | 1.64% | -0.90% | 13th bottom |
| Yield on Earning Assets | 5.02% | 5.65% | -0.63% | 24th bottom |
| Cost of Funds | 1.47% | 1.85% | -0.38% | 71st above |
| Net Interest Spread | 3.02% | 3.35% | -0.33% | 34th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.52% | 0.92% | -0.40% | 44th below |
| NPA / Total Assets | 0.22% | 0.67% | -0.45% | 58th above |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 0.86% | 1.28% | -0.42% | 14th bottom |
| ACL / NPLs (Coverage) | 166.39% | 1645.77% | -1479.38% | 43rd below |
| Texas Ratio | 7.30% | 7.15% | +0.15% | 30th below |
| Provision / NCO | 1100.00% | 1189.26% | -89.26% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.31% | 12.46% | -2.15% | 38th below |
| Equity / Assets | 6.47% | 11.67% | -5.20% | 4th bottom |
| TCE / Tangible Assets | 6.01% | 11.40% | -5.39% | 3rd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 47.18% | 78.66% | -31.48% | 93rd top |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.73% | 87.09% | +1.64% | 48th below |
| Wholesale Funding Ratio | 1.32% | 5.12% | -3.80% | 77th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.30% | 6.48% | -3.18% | 42nd below |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.69% | 7.64% | -1.95% | 52nd above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.05% | 6.02% | -0.97% | 58th above |
See Citizens Bank & Trust Company of Vivian, Louisiana's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Citizens Bank & Trust Company of Vivian, Louisiana, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Citizens Bank & Trust Company of Vivian, Louisiana profile, how to read a UBPR, or how this data updates.