Headquartered in Covington, Louisiana, Citizens Bank & Trust Company is a state-chartered bank with $183.7M in total assets and $162.2M in deposits as of Q2 2026. It operates 5 offices. Its charter dates back to 1945.
Citizens Bank & Trust Company has a TellerScore of 41 out of 100 (below average) based on Q2 2026 data — higher than only 3% of its 2,650 banks with $100 million – $1 billion. Among 104 banks headquartered in Louisiana, it ranks 98th. Funding & liquidity contributes the most (84/100, 70% loans-to-deposits, 20% uninsured); loan quality contributes the least (0/100, 7.15%).
TellerScore · Q2 2026
Scorecard
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 fell 8 points (49 → 41), mostly because the problem-loan coverage component weakened by 47 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 44 |
| Q3 2024 | 45 |
| Q4 2024 | 46 |
| Q1 2025 | 48 |
| Q2 2025 | 49 |
| Q3 2025 | 44 |
| Q4 2025 | 43 |
| Q1 2026 | 43 |
| Q2 2026 | 41 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.99% |
| Q3 2024 | 10.02% |
| Q4 2024 | 10.16% |
| Q1 2025 | 10.61% |
| Q2 2025 | 10.69% |
| Q3 2025 | 11.25% |
| Q4 2025 | 11.39% |
| Q1 2026 | 11.35% |
| Q2 2026 | 11.14% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 2.50% |
| Q3 2024 | 2.48% |
| Q4 2024 | 2.50% |
| Q1 2025 | 2.70% |
| Q2 2025 | 2.67% |
| Q3 2025 | 5.56% |
| Q4 2025 | 7.31% |
| Q1 2026 | 7.70% |
| Q2 2026 | 7.15% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.63% |
| Q3 2024 | 0.71% |
| Q4 2024 | 0.68% |
| Q1 2025 | 0.95% |
| Q2 2025 | 1.04% |
| Q3 2025 | 0.97% |
| Q4 2025 | 0.96% |
| Q1 2026 | 0.77% |
| Q2 2026 | 0.63% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 41 | $183.7M | 11.14% | 7.15% | 0.63% | 70.3% |
| Q1 2026 | 43 | $188.4M | 11.35% | 7.70% | 0.77% | 69.3% |
| Q4 2025 | 43 | $175.9M | 11.39% | 7.31% | 0.96% | 82.5% |
| Q3 2025 | 44 | $174.8M | 11.25% | 5.56% | 0.97% | 85.3% |
| Q2 2025 | 49 | $182.2M | 10.69% | 2.67% | 1.04% | 84.6% |
| Q1 2025 | 48 | $186.8M | 10.61% | 2.70% | 0.95% | 82.7% |
| Q4 2024 | 46 | $175.6M | 10.16% | 2.50% | 0.68% | 89.1% |
| Q3 2024 | 45 | $187.2M | 10.02% | 2.48% | 0.71% | 90.7% |
| Q2 2024 | 44 | $185.4M | 9.99% | 2.50% | 0.63% | 91.0% |
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).
Similar-size banks in Louisiana
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Tensas State BankBank Newellton, LA | 59 out of 100, Moderate | $185.5M | 13.9% | 3.43% | vs |
| Feliciana Bank & Trust CompanyBank Clinton, LA | 75 out of 100, Strong | $180.4M | 11.8% | 0.69% | vs |
| South Lafourche Bank & Trust CompanyBank Larose, LA | 38 out of 100, Low | $177.5M | 11.7% | 6.95% | vs |
| Bank of Sunset and Trust CompanyBank Sunset, LA | 76 out of 100, Strong | $192.3M | 11.4% | 0.58% | vs |
| Farmers State Bank & Trust Co.Bank Church Point, LA | 56 out of 100, Moderate | $174.7M | 9.1% | 2.76% | vs |
| Simmesport State BankBank Simmesport, LA | 54 out of 100, Below average | $198.5M | 12.3% | 3.15% | vs |
Deposit insurance
Is my money safe at Citizens Bank & Trust Company?
Yes. Citizens Bank & Trust Company is an FDIC-insured institution (FDIC certificate #16417). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 20.1% of deposits ($32.6M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.14%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
5 locations
Branches
Citizens Bank & Trust Company lists 5 offices in 3 cities. Most locations:
- Covington, LA (3)
- Abita Springs, LA (1)
- Mandeville, LA (1)
Identity & history
Profile
- Legal name
- Citizens Bank & Trust Company
- Type
- State-chartered bank
- FDIC certificate #
- 16417
- RSSD ID
- 384830
- Primary regulator
- FDIC
- Established
- December 31, 1945
- Headquarters
- 222 N New Hampshire St, Covington, LA 70433
- Website
- www.cbtbanking.com
- Employees
- 34
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 #16417). 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?
41 out of 100 (Below average), 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 #16417 in the FDIC failed bank list.
How many branches does Citizens Bank & Trust Company have?
5 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Covington
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Crescent BankBank Metairie, LA | 89 out of 100, Very strong | $1.1B | 15.0% | 1.28% | vs |
| Zellco Federal Credit UnionCredit union Bogalusa, LA | 89 out of 100, Very strong | $94.5M | 31.9% | 0.73% | vs |
| District 62 Highway Federal Credit UnionCredit union Hammond, LA | 89 out of 100, Very strong | $6.6M | 15.4% | 0.00% | vs |
| Red River BankBank Alexandria, LA | 82 out of 100, Strong | $3.3B | 12.5% | 0.11% | vs |
| Citizens Savings BankBank Bogalusa, LA | 81 out of 100, Strong | $329.1M | 14.3% | 0.74% | vs |
| Chevron Federal Credit UnionCredit union Concord, CA | 81 out of 100, Strong | $5.4B | 12.4% | 0.38% | vs |