Citizens Savings Bank (Bogalusa, LA)
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Data as of · sourced from FFIEC call reports. How we update
Citizens Savings Bank is an FDIC-insured savings bank headquartered in Bogalusa, LA, established in 1945 (FDIC certificate 30270), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $329.1M, up 2.9% from Q2 2025, the 56th largest of 102 banks headquartered in Louisiana. It reports no CET1 ratio; its Tier 1 leverage ratio was 14.33% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 30270
- Headquarters
- Bogalusa, LA
- Established
- 1945
- Total assets, Q2 2026
- $329.1M
- Assets vs Q2 2025
- +2.9%
- Tier 1 leverage ratio, Q2 2026
- 14.33%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 265270138
- Latest call report
- Q2 2026, FFIEC 051 · Citizens Savings Bank call report
- Asset rank in state
- 56th of 102 in Louisiana
Citizens Savings Bank earns an unusually wide margin on its lending. Based in Bogalusa, Louisiana, it had $329 million in assets at June 30, 2026, up 2.9% from a year earlier. It keeps 4.73 cents of net interest income on every dollar of earning assets, higher than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also funds 14.33% of its assets with Tier 1 capital, higher than about three-quarters of banks its size (median 10.99%).
Net income for the quarter rose 30% from a year earlier, to $979,000. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 0.74% of loans, down from 1.00% a year earlier.
As of June 30, 2026, Citizens Savings Bank reported a return on assets of 1.18%, a nonperforming-loan ratio of 0.74% and a Texas ratio of 4.52%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Citizens Savings Bank is the 56th largest of the 102 banks headquartered in Louisiana. Between Q1 2026 and Q2 2026, its total assets rose 0.8% to $329.1M, loans fell 0.2% and deposits rose 0.5%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 56.9% of total loans, ahead of farmland and other real estate loans at 10.3%. The FDIC Summary of Deposits lists 5 offices for it, in 4 cities in LA; its Bogalusa 2 offices book 46% of its branch deposits. Judged on its Q2 2026 call report, Citizens Savings Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1725 Sullivan Dr, Bogalusa, LA 70427
- County
- Washington
- Metro Area
- Bogalusa, LA
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- —
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1945
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 78
- Domestic deposits
- $282.4M
- Allowance for credit losses
- $6.8M
- Net charge-offs (YTD)
- $220K
- Average total assets
- $333.0M
- Average total loans
- $255.1M
- Average interest-bearing deposits
- $220.9M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 30270
- Fed RSSD
- 1014376
- Website
- https://www.citizenssb.com →
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. 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 Savings Bank 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 Savings Bank's total assets ran between $286.3M (Q3 2023) and $329.1M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$329.1M total assets against $319.8M; $284.3M total liabilities against $278.6M.
$248.2M net loans and leases against $238.0M; $282.4M total deposits against $277.1M.
$47.1M securities against $44.0M; $18.5M cash and balances due against $23.1M.
$5.3M total interest income against $4.9M; $1.6M total interest expense against $1.6M.
$3.7M net interest income against $3.3M.
$331K total noninterest income against $207K; $2.9M total noninterest expense against $2.5M.
$0 provision for credit losses against $75K.
$979K net income against $755K.
1.18% return on assets against 0.94%; 4.73% net interest margin against 4.37%.
14.33% tier 1 leverage ratio against 13.87%.
Inside the full Citizens Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCitizens Savings Bank rankings
Its closest position to the top of a national ranking is 1,442 of 3,640, for Texas Ratio; its furthest is 2,733 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.16% (Q4 2025) to 1.36% (Q1 2026) and its net interest margin ran from 4.16% (Q3 2024) to 4.77% (Q1 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.33% | 1.18% | 0.74% | 4.52% | 4.73% |
| Q1 2026 | 14.38% | 1.36% | 0.75% | 4.77% | 4.77% |
| Q4 2025 | 14.05% | 0.16% | 1.00% | 6.49% | 4.61% |
| Q3 2025 | 14.07% | 0.98% | 0.91% | 6.26% | 4.49% |
| Q2 2025 | 13.87% | 0.94% | 1.00% | 6.94% | 4.37% |
| Q1 2025 | 13.92% | 0.98% | 0.95% | 6.98% | 4.40% |
| Q4 2024 | 13.74% | 0.70% | 0.78% | 5.97% | 4.19% |
| Q3 2024 | 13.92% | 0.58% | 1.01% | 7.54% | 4.16% |
Swipe the table sideways to see every column.
Branch Network
View all 5 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 |
|---|---|---|---|
| Main Street Branch | Franklinton , LA | 70438 | $103.5M |
| Citizens Savings Bank (main office) | Bogalusa , LA | 70427 | $92.3M |
| Bogalusa Branch | Bogalusa , LA | 70427 | $36.8M |
| Citizens Savings Bank (main office) | Covington , LA | 70433 | $35.1M |
| Angie Branch | Angie , LA | 70426 | $14.7M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in LA, rank 66 of 118 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $100K approved, $100K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1994 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 Savings Bank
What are Citizens Savings Bank's total assets?
As of the Q2 2026 filing, Citizens Savings Bank reported total assets of $329.1 million in its FFIEC call report.
Where is Citizens Savings Bank headquartered?
It is headquartered in Bogalusa, LA, United States.
When was Citizens Savings Bank founded?
It was established in 1945, per the FDIC institution directory.
Is Citizens Savings Bank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #30270). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Citizens Savings Bank?
Citizens Savings Bank's primary federal regulator is the FDIC.
How many branches does Citizens Savings Bank operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Citizens Savings Bank's Texas Ratio?
Its Texas Ratio is 4.52% 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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