Citizens Bank & Trust Company of Vivian, Louisiana (FDIC certificate #19744) is based in Vivian, Louisiana. Its Q2 2026 call report shows $159.6M in total assets and $146.7M in deposits and 7 offices.
Citizens Bank & Trust Company of Vivian, Louisiana has a TellerScore of 64 out of 100 (moderate) based on Q2 2026 data — higher than only 26% of its 2,650 banks with $100 million – $1 billion. Among 104 banks headquartered in Louisiana, it ranks 69th. Funding & liquidity contributes the most (89/100, 47% loans-to-deposits, 25% uninsured); earnings contributes the least (41/100, 0.52%).
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 rose 11 points (53 → 64), mostly because the earnings component improved by 41 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 40 |
| Q3 2024 | 40 |
| Q4 2024 | 40 |
| Q1 2025 | 38 |
| Q2 2025 | 53 |
| Q3 2025 | 54 |
| Q4 2025 | 58 |
| Q1 2026 | 66 |
| Q2 2026 | 64 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.63% |
| Q3 2024 | 10.65% |
| Q4 2024 | 10.87% |
| Q1 2025 | 11.12% |
| Q2 2025 | 10.02% |
| Q3 2025 | 10.08% |
| Q4 2025 | 10.03% |
| Q1 2026 | 10.17% |
| Q2 2026 | 10.31% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 3.00% |
| Q3 2024 | 3.63% |
| Q4 2024 | 3.63% |
| Q1 2025 | 3.47% |
| Q2 2025 | 1.07% |
| Q3 2025 | 0.93% |
| Q4 2025 | 0.53% |
| Q1 2026 | 0.55% |
| Q2 2026 | 0.87% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.03% |
| Q3 2024 | -0.01% |
| Q4 2024 | 0.08% |
| Q1 2025 | -0.34% |
| Q2 2025 | -2.46% |
| Q3 2025 | -1.52% |
| Q4 2025 | -1.14% |
| Q1 2026 | 0.35% |
| Q2 2026 | 0.52% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 64 | $159.6M | 10.31% | 0.87% | 0.52% | 46.8% |
| Q1 2026 | 66 | $155.8M | 10.17% | 0.55% | 0.35% | 47.4% |
| Q4 2025 | 58 | $159.0M | 10.03% | 0.53% | -1.14% | 49.2% |
| Q3 2025 | 54 | $160.3M | 10.08% | 0.93% | -1.52% | 47.9% |
| Q2 2025 | 53 | $154.5M | 10.02% | 1.07% | -2.46% | 46.4% |
| Q1 2025 | 38 | $155.9M | 11.12% | 3.47% | -0.34% | 49.5% |
| Q4 2024 | 40 | $156.9M | 10.87% | 3.63% | 0.08% | 48.4% |
| Q3 2024 | 40 | $163.9M | 10.65% | 3.63% | -0.01% | 50.8% |
| Q2 2024 | 40 | $163.0M | 10.63% | 3.00% | 0.03% | 50.5% |
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 |
|---|---|---|---|---|---|
| Bank of Winnfield & Trust CompanyBank Winnfield, LA | 80 out of 100, Strong | $156.0M | 14.4% | 0.67% | vs |
| State Bank & Trust CompanyBank Golden Meadow, LA | 74 out of 100, Strong | $165.1M | 10.6% | 0.46% | vs |
| Colfax Banking CompanyBank Colfax, LA | 76 out of 100, Strong | $152.3M | 11.0% | 0.04% | vs |
| Vermilion Bank & Trust CompanyBank Kaplan, LA | 72 out of 100, Strong | $145.5M | 12.6% | 2.17% | vs |
| Farmers State Bank & Trust Co.Bank Church Point, LA | 56 out of 100, Moderate | $174.7M | 9.1% | 2.76% | vs |
| South Lafourche Bank & Trust CompanyBank Larose, LA | 38 out of 100, Low | $177.5M | 11.7% | 6.95% | vs |
Deposit insurance
Is my money safe at Citizens Bank & Trust Company of Vivian, Louisiana?
Yes. Citizens Bank & Trust Company of Vivian, Louisiana is an FDIC-insured institution (FDIC certificate #19744). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 25.3% of deposits ($37.2M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.31%, 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%).
7 locations
Branches
Citizens Bank & Trust Company of Vivian, Louisiana lists 6 offices in 5 cities. Most locations:
- Shreveport, LA (2)
- Benton, LA (1)
- Haughton, LA (1)
- Oil City, LA (1)
- Vivian, LA (1)
HMDA 2025
Mortgage lending
In 2025, Citizens Bank & Trust Company of Vivian, Louisiana reported 322 home-loan applications under HMDA (LEI 549300B8JQ9XD5FQQH32): 308 originated ($63,340,000 total), 1 denied, and 13 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.3%, 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 of Vivian, Louisiana
- Type
- State-chartered bank
- FDIC certificate #
- 19744
- RSSD ID
- 767554
- Primary regulator
- FDIC
- Holding company
- C B&t Bancshares Inc
- Established
- September 14, 1967
- Headquarters
- 120 W Arkansas Ave, Vivian, LA 71082
- Website
- www.cbtofvivian.com
- Employees
- 57
Quick answers
Citizens Bank & Trust Company of Vivian, Louisiana: common questions
Is Citizens Bank & Trust Company of Vivian, Louisiana FDIC insured?
Yes. Citizens Bank & Trust Company of Vivian, Louisiana is an FDIC-insured institution (FDIC certificate #19744). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Citizens Bank & Trust Company of Vivian, Louisiana's TellerScore?
64 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 of Vivian, Louisiana ever failed?
There is no failure record for FDIC certificate #19744 in the FDIC failed bank list.
How many branches does Citizens Bank & Trust Company of Vivian, Louisiana have?
7 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Vivian
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Domino Federal Credit UnionCredit union Texarkana, TX | 96 out of 100, Very strong | $86.6M | 17.5% | 0.35% | vs |
| East Texas Professional Credit UnionCredit union Longview, TX | 90 out of 100, Very strong | $1.4B | 19.4% | 0.41% | vs |
| State Bank of De KalbBank De Kalb, TX | 82 out of 100, Strong | $519.9M | 12.2% | 0.24% | vs |
| Texar Federal Credit UnionCredit union Texarkana, TX | 81 out of 100, Strong | $440.5M | 16.4% | 0.72% | vs |
| Wesla Federal Credit UnionCredit union Shreveport, LA | 81 out of 100, Strong | $93.0M | 14.9% | 1.02% | vs |
| The City National Bank of Sulphur SpringsBank Sulphur Springs, TX | 78 out of 100, Strong | $1.4B | 9.8% | 0.15% | vs |