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Citizens Bank & Trust Company
Covington, LA · FDIC Certificate #16417 · Chartered 12/3
Total assets
$183.71M
Total deposits
$162.23M
Total equity
$19.48M
Net loans
$114.12M
Branches (offices)
5
Net income (YTD)
$576.00K
Rank: #3,088 of 4,213 U.S. banks by assets · #77 of 103 in Louisiana. Assets changed 0.8% and deposits 0.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.63% |
| Return on equity | 5.99% |
| Net interest margin (YTD) | 3.75% |
| Equity to assets | 10.61% |
| Tier 1 leverage ratio | 11.14% |
| Uninsured deposits (share of deposits) | 20.1% |
| Noncurrent loans (share of loans) | 7.15% |
| Net charge-offs (share of loans) | 0.20% |
| Loans to deposits | 70.3% |
| Real estate loans (share of loans) | 89.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $101.98M | 89.4% | |
| Commercial & industrial | $13.27M | 11.6% | |
| Consumer / individual | $427.00K | 0.4% | |
| Construction & development | $11.51M | 10.1% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $175.88M | $160.79M | $838.00K | $13.60M |
| Jun 2023 | $176.55M | $150.45M | $765.00K | $14.28M |
| Jun 2024 | $185.42M | $156.14M | $572.00K | $15.87M |
| Jun 2025 | $182.25M | $161.43M | $947.00K | $18.10M |
| Jun 2026 | $183.71M | $162.23M | $576.00K | $19.48M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Louisiana | $162.23M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $162.23M.
Similar-sized banks
State Bank Of Southwest Missouri ($183.76M) · Home Bank And Trust Company ($183.32M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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