Citizens Bank & Trust Company of Vivian, Louisiana: 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 38.18 percentage points in Q2 2026, from 128.21% to 166.39%. It was the largest change from Q1 2026 among the key lines here. Citizens Bank & Trust Company of Vivian, Louisiana ranks 82nd of 103 Louisiana banks on return on assets, in the lower half at 0.66% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Citizens Bank & Trust Company of Vivian, Louisiana sits 0.60 points lower, at 0.66% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.31% |
| Equity capital to assets | 6.47% |
| Tangible equity to tangible assets | 6.01% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.52% |
| Non-performing assets ratio | 0.22% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 7.30% |
| Allowance for credit losses to loans | 0.86% |
| Reserve coverage of non-performing loans | 166.39% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.66% |
| Return on equity | 10.62% |
| Net interest margin | 3.58% |
| Efficiency ratio | 87.00% |
| Yield on earning assets | 5.02% |
| Cost of funds | 1.47% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 47.18% |
| Core deposits to total deposits | 88.73% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 91.88% |
| Securities to assets | 39.27% |
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 | 10.47% | -0.15% | 2.81% | 3.96% | 0.09% |
| Q4 2023 | 10.34% | 0.23% | 2.91% | 4.05% | -0.01% |
| Q1 2024 | 10.46% | -0.32% | 2.65% | 3.87% | 0.10% |
| Q2 2024 | 10.63% | 0.39% | 2.88% | 3.33% | 0.16% |
| Q3 2024 | 10.65% | -0.10% | 2.73% | 3.48% | 0.01% |
| Q4 2024 | 10.87% | 0.34% | 2.97% | 3.46% | 0.05% |
| Q1 2025 | 11.12% | -0.32% | 2.98% | 3.11% | 0.02% |
| Q2 2025 | 10.02% | -4.36% | 3.16% | 0.87% | 11.30% |
| Q3 2025 | 10.08% | 0.31% | 3.34% | 0.92% | 0.06% |
| Q4 2025 | 10.03% | 0.00% | 3.34% | 0.63% | 0.41% |
| Q1 2026 | 10.17% | 0.34% | 3.24% | 0.63% | 0.02% |
| Q2 2026 | 10.31% | 0.66% | 3.58% | 0.52% | 0.00% |
Citizens Bank & Trust Company of Vivian, Louisiana vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Bank & Trust Company of Vivian, Louisiana, 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 of Vivian, Louisiana profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19744) · FFIEC NIC profile (RSSD 767554)