Total Assets
$159M
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$143M
Customer-funded liabilities
Net Loans
$70M
Outstanding loan book
Net Income
$-1,790K
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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 metrics
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
Profitability metrics
Return on Assets (ROA)
2nd percentile nationally
-1.14%
Return on Equity (ROE)
-18.55%
Efficiency Ratio
98.26%
What the numbers say about Citizens Bank & Trust Company of Vivian, Louisiana
Citizens Bank & Trust Company of Vivian, Louisiana is an FDIC-insured institution (Certificate #19744) headquartered in Vivian, Louisiana, established in 1967. It holds $159M in total assets - 3,277th of 4,313 FDIC-insured banks, $143M in customer deposits, and $70M in net loans. On safety, its Tier 1 capital ratio of 10.03% is above the 10% well-capitalized threshold, and its Texas Ratio of 3.46% sits in the healthy range below 50%. It earns a PlainBankData health grade of D (48/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
By assets, Citizens Bank & Trust Company of Vivian, Louisiana ranks 86th of 106 banks based in Louisiana -- squarely in the community-bank tier. Size alone doesn't determine a bank's local importance; a bank this size often has deeper, longer-standing relationships with the specific businesses and depositors it serves than a much larger institution would.
Income & expense breakdown
$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.
Top banks in Louisiana by total assets
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.
Other banks in Louisiana
All Louisiana banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is Citizens Bank & Trust Company of Vivian, Louisiana's health grade?▼
Citizens Bank & Trust Company of Vivian, Louisiana receives a health grade of D (48/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows notable financial weaknesses. Your deposits remain FDIC-insured up to $250,000.
How large is Citizens Bank & Trust Company of Vivian, Louisiana?▼
Citizens Bank & Trust Company of Vivian, Louisiana holds $159M in total assets and $143M in deposits, ranking 3,277th of 4,313 FDIC-insured banks by asset size. It is headquartered in Vivian, Louisiana.
Is my money safe at Citizens Bank & Trust Company of Vivian, Louisiana?▼
Yes, deposits at Citizens Bank & Trust Company of Vivian, Louisiana (Certificate #19744) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Citizens Bank & Trust Company of Vivian, Louisiana's Tier 1 Capital Ratio?▼
Citizens Bank & Trust Company of Vivian, Louisiana has a Tier 1 Capital Ratio of 10.03%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Citizens Bank & Trust Company of Vivian, Louisiana?▼
Citizens Bank & Trust Company of Vivian, Louisiana has a Texas Ratio of 3.46%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Citizens Bank & Trust Company of Vivian, Louisiana?▼
Citizens Bank & Trust Company of Vivian, Louisiana has an Efficiency Ratio of 98.26%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Citizens Bank & Trust Company of Vivian, Louisiana's profile as a depositor or analyst.
- Citizens Bank & Trust Company of Vivian, Louisiana's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Citizens Bank & Trust Company of Vivian, Louisiana against other Louisiana banks before moving funds. Louisiana banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.