FDIC Cert #19744 · Vivian, Louisiana · Est. 1967

Citizens Bank & Trust Company of Vivian, Louisiana - FDIC Bank Health Profile

This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.

Compiled from official public sources by the publisher.
$159M
Total assets
D
Health grade · Weak
-1.14%
Return on assets
10.0%
Tier 1 capital

Data updated July 2026

The verdict

Citizens Bank & Trust Company of Vivian, Louisiana earns a PlainBankData health grade of D (48/100), with well-capitalized at 10.03% Tier 1, -1.14% ROA, 98% efficiency ratio.

#3,277
largest of 4,313 FDIC banks by assets
24th
percentile by asset size, nationally
10.03%
Tier 1 ratio - above the 10% well-capitalized line
2nd
percentile for profitability (ROA), nationally

A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.

FDIC Call Report plate

Cert 19744 · LA D · 48/100

GRADE-D · BOTTOM-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-LOSS · SIZE-MID · BOOK-FULL

  • GRADE-D D (48/100)
  • BOTTOM-DECILE #4164/4307
  • PHOTO-FINISH Sonata Bank · TN
  • TIER1-WELL 10.0% Tier 1
  • TEXAS-CLEAN 3.5% Texas
  • ROA-LOSS -1.14% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Louisiana: Sonata Bank, TN (±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 of Vivi…

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

Morgan Stanley Bank,… · UT ·…100/100Citizens Bank & Trus… · LA ·…48/100Oklahoma Heritage Bank · OK …48/100Sonata Bank · TN · near48/100The First National B… · OK ·…48/100Union Bank · MI · near48/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Citizens Bank & Trust Company of Vivi… · July 2026

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

Citizens Bank & Trust Company of Vivian, Louisiana (FDIC Cert #19744) carries a PlainBankData health grade of D at 48/100, 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 #4,164 of 4,307. Tier 1 capital prints at 10.03%, clearing the 10% well-capitalized line. The Texas Ratio is 3.46%, inside the sub-50% band analysts treat as healthy. Return on assets is -1.14%. Balance-sheet scale is $159M, 3,277th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Sonata Bank (TN), 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 of Vivi…

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

Citizens Bank & Trust Company of Vivian, Louisiana'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 of Vivian, Louisiana 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 of Vivian, Louisiana's 48/100 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 avg77/10048/100
Citizens Bank & Trust Company of Vivian, Louisiana's composite health score
Tier 1 Capital Ratio (10.03%) 28/40
Return on Assets (ROA) (-1.14%) 0/25
Texas Ratio (3.46%) 20/20
Efficiency Ratio (98.26%) 0/15

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

Balance sheet at a glance

Total Assets

$159M

Total balance-sheet footings

Total Deposits

$143M

Customer-funded liabilities

Net Loans

$70M

Outstanding loan book

Net Income

$-1,790K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 8.63% 10.03% 11.43%
Basel III capital ratios - Citizens Bank & Trust Company of Vivian, Louisiana

Where Citizens Bank & Trust Company of Vivian, Louisiana ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Citizens Bank & Trust Company of Vivian, Louisiana's score of 48/100 falls in the highlighted band.

Citizens Bank & Trust Company of Vivian, Louisiana: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

48 3rd percentile higher than 3% 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%). This entry sits in this band. 50–60: 279 FDIC-insured banks (6%). Above this entry. 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 of Vivi… 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 of Vivian, Louisiana'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 of Vivian, Louisiana's $159M falls in the highlighted band.

Safety ratios for Citizens Bank & Trust Company of Vivi…

Tier 1 capital ratio
Well-capitalized 10%

10.03% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
10.03%
Texas Ratio
3.46%
Equity Capital
$10M

What these ratios mean →

Profitability metrics: Citizens Bank & Trust Company of Vivi…

Return on Assets (ROA)
2nd percentile nationally
-1.14%
Return on Equity (ROE)
-18.55%
Efficiency Ratio
98.26%

What these mean →

Income & expense: loss period at Citizens Bank & Trust Company of Vivi…

$7M
Interest Income
$3M
Non-Interest Income
$8M
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 of Vivian, Louisiana reports a Texas Ratio of 3.46% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

3.46% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

What to watch at Citizens Bank & Trust Company of Vivian, Louisiana

Citizens Bank & Trust Company of Vivian, Louisiana's grade of D reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-1,790K for the period, a loss that, if sustained, erodes the equity cushion.

Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Citizens Bank & Trust Company of Vivian, Louisiana up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.

FDIC Failed Bank List → View Citizens Bank & Trust Company of Vivian, Louisiana 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 ($159M here), outside Louisiana so the neighborhood is not state containment.

Canton Co-operative Bank $159M · MA Bank of Belle Glade $159M · FL The Antwerp Exchange Bank Company $159M · OH North Central Bank $159M · IL

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Citizens Bank & Trust Company of Vivian, Louisiana (FDIC Cert #19744) - 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 of Vivian, Louisiana 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%