FDIC Cert #16417 · Covington, Louisiana · Est. 1945

Citizens Bank & Trust Company - FDIC Bank Health Profile

A community-scale look at Citizens Bank & Trust Company's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$176M
Total assets
C
Health grade · Fair
0.96%
Return on assets
11.4%
Tier 1 capital

Data updated July 2026

The verdict

Citizens Bank & Trust Company earns a PlainBankData health grade of C (54/100), with well-capitalized at 11.39% Tier 1, 0.96% ROA, 67% efficiency ratio.

#3,179
largest of 4,313 FDIC banks by assets
26th
percentile by asset size, nationally
11.39%
Tier 1 ratio - above the 10% well-capitalized line
40th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 16417 · LA C · 54/100

GRADE-C · BOTTOM-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-HEALTHY · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-C C (54/100)
  • BOTTOM-DECILE #4065/4307
  • PHOTO-FINISH The Pauls Valley Nat… · OK
  • TIER1-WELL 11.4% Tier 1
  • TEXAS-HEALTHY 46.3% Texas
  • ROA-PAR 0.96% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Louisiana: The Pauls Valley National Bank, OK (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Citizens Bank & Trust Company

Lowest and highest poles plus nearest scored peers outside Louisiana, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Highland Bank · MN · near55/100Spiro State Bank · OK · near55/100The State Bank of Pe… · IL ·…55/100Citizens Bank & Trus… · LA ·…54/100The Pauls Valley Nat… · OK ·…54/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Citizens Bank & Trust Company · July 2026

What Citizens Bank & Trust Company's Call Report plate shows

Citizens Bank & Trust Company (FDIC Cert #16417) carries a PlainBankData health grade of C at 54/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #4,065 of 4,307. Tier 1 capital prints at 11.39%, clearing the 10% well-capitalized line. The Texas Ratio is 46.31%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.96%. Balance-sheet scale is $176M, 3,179th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is The Pauls Valley National Bank (OK), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Citizens Bank & Trust Company

4 FAILURE resolutions in Louisiana since 2000 (3 since 2008)

Citizens Bank & Trust Company's home state sits in the middle band of post-2000 FAILURE counts (4; 3 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Citizens Bank & Trust Company remains an active FDIC-insured reporter.

  • FIRST NBC BANK NEW ORLEANS, LA 2017 → WHITNEY BANK
  • CENTRAL PROGRESSIVE BANK LACOMBE, LA 2011 → FIRST NBC BANK
  • STATEWIDE BANK COVINGTON, LA 2010 → HOME BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Louisiana banks.

How Citizens Bank & Trust Company's 54/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10054/100
Citizens Bank & Trust Company's composite health score
Tier 1 Capital Ratio (11.39%) 28/40
Return on Assets (ROA) (0.96%) 14/25
Texas Ratio (46.31%) 4/20
Efficiency Ratio (67.23%) 8/15

54 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$176M

Total balance-sheet footings

Total Deposits

$155M

Customer-funded liabilities

Net Loans

$128M

Outstanding loan book

Net Income

$2M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 9.99% 11.39% 12.79%
Basel III capital ratios - Citizens Bank & Trust Company

Where Citizens Bank & Trust Company ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Citizens Bank & Trust Company's score of 54/100 falls in the highlighted band.

Citizens Bank & Trust Company: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

54 6th percentile higher than 6% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). This entry sits in this band. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Citizens Bank & Trust Company 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Citizens Bank & Trust Company's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Citizens Bank & Trust Company's $176M falls in the highlighted band.

Safety ratios for Citizens Bank & Trust Company

Tier 1 capital ratio
Well-capitalized 10%

11.39% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
11.39%
Texas Ratio
46.31%
Equity Capital
$19M

What these ratios mean →

Profitability metrics: Citizens Bank & Trust Company

Return on Assets (ROA)
40th percentile nationally
0.96%
Return on Equity (ROE)
9.62%
Efficiency Ratio
67.23%

What these mean →

Income & expense at Citizens Bank & Trust Company

$10M
Interest Income
$427K
Non-Interest Income
$5M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Citizens Bank & Trust Company reports a Texas Ratio of 46.31% - within the generally healthy range below the 50% level analysts watch.

Texas Ratio
Caution 50%

46.31% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Citizens Bank & Trust Company on FDIC BankFind →

Top banks in Louisiana by total assets

Largest banks headquartered in Louisiana
  1. 1
    Origin Bank $9.6B

    Choudrant, LA · Grade B

  2. 2
    b1BANK $8.2B

    Baton Rouge, LA · Grade A

  3. 3
    First Guaranty Bank $4.1B

    Hammond, LA · Grade C

  4. 4
    Gulf Coast Bank and Trust Company $3.6B

    New Orleans, LA · Grade B

  5. 5
    Home Bank $3.5B

    Lafayette, LA · Grade A

Top 5 banks in Louisiana ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($176M here), outside Louisiana so the neighborhood is not state containment.

Garden Plain State Bank $176M · KS Oklahoma Capital Bank $176M · OK Cedar Rapids State Bank $175M · NE Jackson County Bank $175M · KY

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Citizens Bank & Trust Company (FDIC Cert #16417) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Citizens Bank & Trust Company Call Report profile · FDIC Failed Bank List · Louisiana FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Louisiana

All Louisiana banks →
BankAssetsGradeROA
Origin BankChoudrant $9.6B B 0.76%
b1BANKBaton Rouge $8.2B A 1.23%
First Guaranty BankHammond $4.1B C -1.33%
Gulf Coast Bank and Trust CompanyNew Orleans $3.6B B 1.15%
Home Bank, National AssociationLafayette $3.5B A 1.41%
Red River BankAlexandria $3.3B A 1.36%
Investar Bank, National AssociationBaton Rouge $2.8B B 0.89%
Bonvenu Bank, National AssociationBossier City $1.6B B 0.54%