Bank Safety Analysis
Is Citizens Bank & Trust Company of Vivian, Louisiana Safe? Vivian, Louisiana
Based on its Q2 2026 call report, Citizens Bank & Trust Company of Vivian, Louisiana meets the community bank leverage ratio test for well capitalized, its Texas ratio is 5.90%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer: is Citizens Bank & Trust Company of Vivian, Louisiana safe?
On its Q2 2026 call report, Citizens Bank & Trust Company of Vivian, Louisiana's Community Bank Leverage Ratio is 10.31%, above the 9% threshold that makes a community bank well capitalized.
- CET1 ratio (Q2 2026): not reported (community bank leverage ratio filer)
- Community Bank Leverage Ratio (Q2 2026): 10.31%
- Texas ratio (Q2 2026): 5.90%
- Noncurrent loans ratio (Q2 2026): 0.87%
Citizens Bank & Trust Company of Vivian, Louisiana is an FDIC-insured commercial bank (FDIC Certificate #19744). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Source: the FFIEC call report Citizens Bank & Trust Company of Vivian, Louisiana (FDIC Certificate #19744) filed for the quarter ended June 30, 2026. BankRegReports computes every ratio on this page from that filing.
Context: largest US bank failures.
Citizens Bank & Trust Company of Vivian, Louisiana meets regulatory minimums but is on the watch band for 1 of 5 safety dimensions.
Compared with Q1 2026, net interest margin rose 0.34 percentage points in Q2 2026 to 3.58%, the biggest move on this page. Citizens Bank & Trust Company of Vivian, Louisiana ranks 80th of 102 Louisiana banks on leverage ratio, in the lower half at 10.31% (Q2 2026). The median for banks in the $100M-1B asset tier is 10.95% on leverage ratio. Citizens Bank & Trust Company of Vivian, Louisiana sits 0.65 points lower, at 10.31% (Q2 2026). From Q3 2023 to Q2 2026, Citizens Bank & Trust Company of Vivian, Louisiana's Texas ratio ranged between 3.73% (Q4 2025) and 36.15% (Q3 2023). Between Q2 2025 and Q2 2026, Citizens Bank & Trust Company of Vivian, Louisiana's nonperforming loan ratio (nonaccrual plus 90+ days past due) fell from 1.07% to 0.87%, Texas ratio fell from 10.45% to 5.90% and return on assets rose from -4.36% to 0.66%.
Of the 102 banks headquartered in Louisiana, Citizens Bank & Trust Company of Vivian, Louisiana is the 82nd largest by total assets at Q2 2026. 1-4 family residential loans are its largest loan category, $31.5M of $69.2M in total loans on its June 30, 2026 call report. Against the 2,757 banks with $100M to $1B in assets for Q2 2026, Citizens Bank & Trust Company of Vivian, Louisiana's community bank leverage ratio of 10.31% is below the 10.95% median, nonperforming loans ratio of 0.87% is above the 0.41% median, Texas ratio of 5.90% is above the 2.65% median, and efficiency ratio of 87.00% is above the 61.41% median.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating.
Held-out test AUC 0.910 for the 1-year horizon (v20261026_025757). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety.
How does Citizens Bank & Trust Company of Vivian, Louisiana score on capital, credit and costs?
Peer cohort: $100M to $1B (2,660 banks) · Industry averages as of Q2 2026.
Median of the 2,757 banks with $100M to $1B in assets, Q2 2026: 10.95%.
Median of the 2,757 banks with $100M to $1B in assets, Q2 2026: 10.95%.
Median of the 2,757 banks with $100M to $1B in assets, Q2 2026: 0.41%.
Median of the 2,757 banks with $100M to $1B in assets, Q2 2026: 2.65%.
Median of the 2,757 banks with $100M to $1B in assets, Q2 2026: 61.41%.
Does Citizens Bank & Trust Company of Vivian, Louisiana trip any risk screens?
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Result |
|---|---|---|
| CET1 capital ratio supervisory threshold | — | Not reported |
| Texas ratio BankRegReports band | 5.90% | Within range |
| Non-performing loan ratio BankRegReports band | 0.87% | Within range |
| Uninsured deposit share BankRegReports band | — | Not reported |
| Loan-to-deposit ratio BankRegReports band | 47.18% | Within range |
| Commercial real estate to capital supervisory threshold | 90.10% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Within range |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 5.90% |
| Q1 2026 | 4.33% |
| Q4 2025 | 3.73% |
| Q3 2025 | 8.69% |
| Q2 2025 | 10.45% |
| Q1 2025 | 26.66% |
| Q4 2024 | 29.61% |
| Q3 2024 | 25.18% |
| Q2 2024 | 26.67% |
| Q1 2024 | 29.58% |
| Q4 2023 | 27.22% |
| Q3 2023 | 36.15% |
Loans by type, Q2 2026
- 1-4 family residential loans: $31.5M
- Owner-occupied commercial real estate loans: $11.0M
- Non-owner-occupied commercial real estate loans: $9.0M
- Commercial and industrial loans: $7.0M
- Construction and land development loans: $6.8M
- Other consumer loans: $2.8M
- Auto loans: $865K
- Leases: $330K
How have Citizens Bank & Trust Company of Vivian, Louisiana's safety ratios changed?
| Quarter end | Total assets | Leverage (CBLR) | NPL ratio | Texas ratio | Efficiency |
|---|---|---|---|---|---|
| Jun 30, 2026 | $159.6M | 10.31% | 0.87% | 5.90% | 87.00% |
| Mar 31, 2026 | $155.8M | 10.17% | 0.55% | 4.33% | 92.21% |
| Dec 31, 2025 | $159.0M | 10.03% | 0.53% | 3.73% | 98.62% |
| Sep 30, 2025 | $160.3M | 10.08% | 0.93% | 8.69% | 92.85% |
| Jun 30, 2025 | $154.5M | 10.02% | 1.07% | 10.45% | 91.39% |
| Mar 31, 2025 | $155.9M | 11.12% | 3.47% | 26.66% | 105.87% |
| Dec 31, 2024 | $156.9M | 10.87% | 3.63% | 29.61% | 91.16% |
| Sep 30, 2024 | $163.9M | 10.65% | 3.63% | 25.18% | 99.80% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Citizens Bank & Trust Company of Vivian, Louisiana FDIC insured?
Yes. Citizens Bank & Trust Company of Vivian, Louisiana is an FDIC-insured commercial bank (FDIC Certificate #19744). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is Citizens Bank & Trust Company of Vivian, Louisiana well capitalized?
On its Q2 2026 call report, Citizens Bank & Trust Company of Vivian, Louisiana's Community Bank Leverage Ratio is 10.31%, above the 9% threshold that makes a community bank well capitalized. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the FDIC, applies.
What are Citizens Bank & Trust Company of Vivian, Louisiana's key safety ratios?
For Q2 2026, Citizens Bank & Trust Company of Vivian, Louisiana reports leverage 10.31%, Texas ratio 5.90%, noncurrent loans 0.87%. Its Texas ratio compares with the 2.65% median for the 2,757 banks with $100M to $1B in assets.
What happens to my deposits if Citizens Bank & Trust Company of Vivian, Louisiana fails?
For Q2 2026, Citizens Bank & Trust Company of Vivian, Louisiana reported $146.7M in total deposits. If it failed, the FDIC would pay insured deposits up to $250,000 per depositor.
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Free to use. It shows Citizens Bank & Trust Company of Vivian, Louisiana’s latest filed figures and updates each quarter.
Where does this data come from?
Not investment advice. See the full Citizens Bank & Trust Company of Vivian, Louisiana profile.
How we score this
Citizens Bank & Trust Company of Vivian, Louisiana elects the community bank leverage ratio, so it reports no risk-based capital ratios. Under Prompt Corrective Action (12 CFR 324.403) and that framework it is well capitalized above 8% from July 1, 2026 (9% before), with a grace band one point below. Banks that do not elect it are graded on the CET1 ratio and the Tier 1 and total capital ratios.
Community Bank Leverage Ratio: Tier 1 capital divided by average total assets, for a qualifying community bank that elects the simpler framework. Pass > 9.0% (CBLR elected); 8.0% from July 1, 2026, fail ≤ 8.0%.
Tier 1 Leverage Ratio: The same ratio as its community bank leverage ratio. Pass ≥ 5.0% (well-capitalized), fail < 4.0% (below minimum).
Nonperforming Loans (NPL) Ratio: Nonaccrual loans plus loans 90 or more days past due, divided by total loans. Pass < 1.5%, fail > 3.0%.
Texas Ratio: Problem assets (nonaccrual loans, loans 90+ days past due and still accruing, and OREO, net of U.S. government-guaranteed portions) divided by tangible equity plus the allowance for credit losses. Pass < 50%, fail > 100% (historical failure threshold).
Efficiency Ratio: Noninterest expense divided by revenue (net interest income plus noninterest income). Pass ≤ 75% (lower is better), fail ≥ 90%.
Risk screens, beyond those bands: Uninsured deposit share watch at 50%, concern at 70%; Loan-to-deposit ratio flags at 100% or above; Commercial real estate to capital watch at 200%, concern at 300%; Held-to-maturity unrealized loss to equity watch at 10%, concern at 25%; NPL, Texas ratio and efficiency bands are ours.
Not a credit rating. Methodology.