Bank Comparison
Perennial Bank vs Citizens Bank & Trust Company of Vivian, Louisiana
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
13 · 7
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Perennial Bank | Citizens Bank & Trust Company of Vivian, Louisiana |
|---|---|---|
| CET1 Ratio | 24.18% | — |
| Tier 1 Capital Ratio | 24.18% | — |
| Total Capital Ratio | 25.43% | — |
| Tier 1 Leverage Ratio | 9.41% | 10.17% |
| Equity / Assets | 7.81% | 6.42% |
Profitability
| Metric | Perennial Bank | Citizens Bank & Trust Company of Vivian, Louisiana |
|---|---|---|
| Return on Assets (ROA) | 0.97% | 0.34% |
| Return on Equity (ROE) | 12.55% | 5.45% |
| Net Interest Margin (NIM) | 2.93% | 3.24% |
| Yield on Earning Assets | 4.10% | 4.76% |
| Cost of Funds | 1.26% | 1.55% |
Asset quality
| Metric | Perennial Bank | Citizens Bank & Trust Company of Vivian, Louisiana |
|---|---|---|
| Texas Ratio | 4.29% | 5.84% |
| Non-Performing Loan Ratio | 0.59% | 0.63% |
| Non-Performing Asset Ratio | 0.23% | 0.30% |
| Net Charge-Off Ratio | 0.01% | 0.02% |
| ACL / Loans | 1.41% | 0.80% |
Balance sheet
| Metric | Perennial Bank | Citizens Bank & Trust Company of Vivian, Louisiana |
|---|---|---|
| Total Assets | $155,937K | $155,789K |
| Total Deposits | $142,937K | $143,238K |
| Total Loans | $61,895K | $68,446K |
| Total Equity | $12,184K | $10,005K |
| Net Income (quarter) | $387 | $138 |
Liquidity & funding
| Metric | Perennial Bank | Citizens Bank & Trust Company of Vivian, Louisiana |
|---|---|---|
| Loan-to-Deposit Ratio | 43.30% | 47.78% |
| Core Deposit Ratio | 97.25% | 88.64% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Perennial Bank | Citizens Bank & Trust Company of Vivian, Louisiana |
|---|---|---|
| Headquarters City | DARWIN | VIVIAN |
| Headquarters State | MN | LA |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 4 | 7 |
| Employees (FTE) | 18 | 55 |
| Established | Jan. 1, 1914, midnight | Sept. 14, 1967, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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