Side-by-side · Q2 2026 data
Citizens Bank & Trust Company of Vivian, Louisiana vs Bank of Oak Ridge
Bank
Citizens Bank & Trust Company of Vivian, Louisiana
Vivian, Louisiana · $100 million – $1 billion
Metric by metric
| Measure | Citizens Bank & Trust Company of Vivian, Louisiana | Bank of Oak Ridge |
|---|---|---|
| TellerScore | 64 | 72 (stronger) |
| Capital cushion | 53 | 66 (stronger) |
| Loan quality | 71 | 100 (stronger) |
| Earnings | 41 | 63 (stronger) |
| Funding & liquidity | 89 (stronger) | 31 |
| Problem-loan coverage | 89 | 100 (stronger) |
| Peer percentile | 26th | 50th |
| Total assets | $159.6M | $138.6M |
| Deposits / shares | $146.7M | $121.8M |
| Capital ratio | 10.31% | 11.59% (stronger) |
| Problem loans | 0.87% | 0.00% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.08% |
| Return on assets | 0.52% | 1.07% (stronger) |
| Loans ÷ deposits | 46.8% (stronger) | 92.0% |
| Uninsured deposits | 25.3% (stronger) | 48.2% |
| Offices | 6 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.3% | — |
Bank of Oak Ridge has the higher TellerScore (72 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank & Trust Company of Vivian, Louisiana leads on 3 and Bank of Oak Ridge on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.