TellerScore

Headquartered in Plaquemine, Louisiana, Citizens Bank & Trust Company is a state-chartered bank with $480.8M in total assets and $405.4M in deposits as of Q2 2026. It operates 7 offices. Its charter dates back to 1916.

Citizens Bank & Trust Company has a TellerScore of 68 out of 100 (moderate) based on Q2 2026 data — higher than only 37% of its 2,650 banks with $100 million – $1 billion. Among 104 banks headquartered in Louisiana, it ranks 58th. Problem-loan coverage contributes the most (89/100, 5.5%); funding & liquidity contributes the least (46/100, 89% loans-to-deposits, 38% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion69/100
Tier 1 leverage ratio: 11.93%
Loan quality73/100
Noncurrent loans ÷ total loans: 0.82%
Earnings64/100
Return on assets (annualized): 1.09%
Funding & liquidity46/100
Loans ÷ deposits and uninsured-deposit share: 88.7% · 37.8% uninsured
Problem-loan coverage89/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 5.49%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 16 points (52 → 68), mostly because the loan quality component improved by 39 points.

TellerScore
526068Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202461
Q3 202459
Q4 202462
Q1 202562
Q2 202552
Q3 202562
Q4 202563
Q1 202667
Q2 202668
Tier 1 leverage ratio
5.00%8.46%11.93%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.16%
Q3 202411.20%
Q4 202411.15%
Q1 202511.44%
Q2 202511.71%
Q3 202511.76%
Q4 202511.68%
Q1 202611.61%
Q2 202611.93%
Noncurrent loans
0.71%1.35%1.99%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.81%
Q3 20241.13%
Q4 20240.81%
Q1 20250.96%
Q2 20251.99%
Q3 20251.01%
Q4 20250.92%
Q1 20260.71%
Q2 20260.82%
Return on assets
0.46%0.78%1.09%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.46%
Q3 20240.57%
Q4 20240.59%
Q1 20250.79%
Q2 20250.69%
Q3 20250.76%
Q4 20250.79%
Q1 20261.04%
Q2 20261.09%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202668$480.8M11.93%0.82%1.09%88.7%
Q1 202667$471.4M11.61%0.71%1.04%84.4%
Q4 202563$486.1M11.68%0.92%0.79%80.5%
Q3 202562$465.7M11.76%1.01%0.76%92.4%
Q2 202552$449.3M11.71%1.99%0.69%88.4%
Q1 202562$445.9M11.44%0.96%0.79%84.2%
Q4 202462$474.6M11.15%0.81%0.59%76.0%
Q3 202459$452.5M11.20%1.13%0.57%81.7%
Q2 202461$449.4M11.16%0.81%0.46%81.7%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.93%
64th
Total risk-based capital14.94%
68th
Problem loans0.82%
33rd
Net charge-offs0.09%
21st
Return on assets1.09%
40th
Net interest margin4.23%
67th
Efficiency ratio64.2%
45th
Loans to deposits88.7%
29th
Uninsured deposits37.8%
13th
Loan-loss reserves1.01%
28th
Texas ratio5.5%
33rd

Similar-size banks in Louisiana

InstitutionScoreAssetsCapitalProblem loansCompare
Louisiana National BankBank Ruston, LA63 out of 100, Moderate$474.0M10.5%1.41%vs
The BankBank Jennings, LA83 out of 100, Strong$462.0M12.8%0.48%vs
Guaranty Bank & Trust Company of Delhi, LouisianaBank Delhi, LA56 out of 100, Moderate$457.4M8.5%1.29%vs
Gulf Coast BankBank Abbeville, LA86 out of 100, Very strong$513.7M14.7%0.63%vs
Fifth District Savings BankBank New Orleans, LA81 out of 100, Strong$531.8M21.4%0.09%vs
Winnsboro State Bank & Trust CompanyBank Winnsboro, LA68 out of 100, Moderate$425.7M10.9%0.94%vs

Deposit insurance

Is my money safe at Citizens Bank & Trust Company?

Yes. Citizens Bank & Trust Company is an FDIC-insured institution (FDIC certificate #1376). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 37.8% of deposits ($153.1M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.93%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.94% (benchmark: 10%).

Check how much of your own balance is covered

7 locations

Branches

Citizens Bank & Trust Company lists 6 offices in 2 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Citizens Bank & Trust Company reported 99 home-loan applications under HMDA (LEI 549300L0RZ1NED0NV967): 83 originated ($20,485,000 total), 7 denied, and 3 withdrawn or closed by the applicant. Its denial rate on decided applications was 7.3%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Citizens Bank & Trust Company
Type
State-chartered bank
FDIC certificate #
1376
RSSD ID
357937
Primary regulator
FDIC
Holding company
Citizens Bcorp Inc
Established
July 5, 1916
Headquarters
57910 Main St, Plaquemine, LA 70764
Employees
81

Quick answers

Citizens Bank & Trust Company: common questions

Is Citizens Bank & Trust Company FDIC insured?

Yes. Citizens Bank & Trust Company is an FDIC-insured institution (FDIC certificate #1376). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Citizens Bank & Trust Company's TellerScore?

68 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Citizens Bank & Trust Company ever failed?

There is no failure record for FDIC certificate #1376 in the FDIC failed bank list.

How many branches does Citizens Bank & Trust Company have?

7 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Plaquemine

InstitutionScoreAssetsCapitalProblem loansCompare
Baton Rouge City Parish Emp Federal Credit UnionCredit union Baton Rouge, LA96 out of 100, Very strong$58.2M22.0%0.33%vs
Baton Rouge Fire Department Federal Credit UnionCredit union Baton Rouge, LA92 out of 100, Very strong$82.1M22.0%0.52%vs
South Louisiana BankBank Houma, LA91 out of 100, Very strong$659.8M15.3%0.45%vs
Nucor Employee'S Credit UnionCredit union Florence, SC91 out of 100, Very strong$68.2M19.7%0.61%vs
Department of Corrections Credit UnionCredit union Baton Rouge, LA90 out of 100, Very strong$126.3M23.4%0.57%vs
Gp Louisiana Federal Credit UnionCredit union Zachary, LA88 out of 100, Very strong$66.2M17.0%0.80%vs