FDIC Cert #30270 · Bogalusa, Louisiana · Est. 1945

Citizens Savings Bank - FDIC Bank Health Profile

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

Compiled from official public sources by the publisher.
$319M
Total assets
B
Health grade · Good
0.77%
Return on assets
14.1%
Tier 1 capital

Data updated July 2026

The verdict

Citizens Savings Bank earns a PlainBankData health grade of B (69/100), with well-capitalized at 14.05% Tier 1, 0.77% ROA, 72% efficiency ratio.

#2,408
largest of 4,313 FDIC banks by assets
44th
percentile by asset size, nationally
14.05%
Tier 1 ratio - above the 10% well-capitalized line
28th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 30270 · LA B · 69/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-B B (69/100)
  • MID-PACK #3125/4307
  • PHOTO-FINISH Phoenixville Federal… · PA
  • TIER1-WELL 14.1% Tier 1
  • TEXAS-CLEAN 5.1% Texas
  • ROA-PAR 0.77% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Louisiana: Phoenixville Federal Bank and Trust, PA (±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 Savings Bank

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

Morgan Stanley Bank,… · UT ·…100/100Citizens Savings Bank · LA ·…69/100Home Bank SB · IN · near69/100Phoenixville Federal… · PA ·…69/100Southern Hills Commu… · OH ·…69/100Southwest Heritage B… · AZ ·…69/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Citizens Savings Bank · July 2026

What Citizens Savings Bank's Call Report plate shows

Citizens Savings Bank (FDIC Cert #30270) carries a PlainBankData health grade of B at 69/100, 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 #3,125 of 4,307. Tier 1 capital prints at 14.05%, clearing the 10% well-capitalized line. The Texas Ratio is 5.09%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.77%. Balance-sheet scale is $319M, 2,408th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Phoenixville Federal Bank and Trust (PA), 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 Savings Bank

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

Citizens Savings Bank'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 Savings Bank 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 Savings Bank's 69/100 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 avg77/10069/100
Citizens Savings Bank's composite health score
Tier 1 Capital Ratio (14.05%) 35/40
Return on Assets (ROA) (0.77%) 14/25
Texas Ratio (5.09%) 16/20
Efficiency Ratio (71.80%) 4/15

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

Balance sheet at a glance

Total Assets

$319M

Total balance-sheet footings

Total Deposits

$274M

Customer-funded liabilities

Net Loans

$247M

Outstanding loan book

Net Income

$2M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 12.65% 14.05% 15.45%
Basel III capital ratios - Citizens Savings Bank

Where Citizens Savings Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Citizens Savings Bank's score of 69/100 falls in the highlighted band.

Citizens Savings Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

69 27th percentile higher than 27% 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%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 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 Savings Bank 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 Savings Bank'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 Savings Bank's $319M falls in the highlighted band.

Safety ratios for Citizens Savings Bank

Tier 1 capital ratio
Well-capitalized 10%

14.05% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
14.05%
Texas Ratio
5.09%
Equity Capital
$43M

What these ratios mean →

Profitability metrics: Citizens Savings Bank

Return on Assets (ROA)
28th percentile nationally
0.77%
Return on Equity (ROE)
5.96%
Efficiency Ratio
71.80%

What these mean →

Income & expense at Citizens Savings Bank

$20M
Interest Income
$964K
Non-Interest Income
$10M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Citizens Savings Bank reports a Texas Ratio of 5.09% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

5.09% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Citizens Savings Bank 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 ($319M here), outside Louisiana so the neighborhood is not state containment.

Elizabethton Federal Savings Bank $319M · TN Forest Park National Bank and Trust C… $319M · IL Community Bank and Trust Company $319M · IA First National Community Bank $319M · WI

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Citizens Savings Bank (FDIC Cert #30270) - 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 Savings Bank 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%