Side-by-side · Q2 2026 data
Farmers State Bank & Trust Co. vs Citizens Bank & Trust Company of Vivian, Louisiana
Bank
Citizens Bank & Trust Company of Vivian, Louisiana
Vivian, Louisiana · $100 million – $1 billion
Metric by metric
| Measure | Farmers State Bank & Trust Co. | Citizens Bank & Trust Company of Vivian, Louisiana |
|---|---|---|
| TellerScore | 56 | 64 (stronger) |
| Capital cushion | 41 | 53 (stronger) |
| Loan quality | 8 | 71 (stronger) |
| Earnings | 97 (stronger) | 41 |
| Funding & liquidity | 100 (stronger) | 89 |
| Problem-loan coverage | 70 | 89 (stronger) |
| Peer percentile | 13th | 26th |
| Total assets | $174.7M | $159.6M |
| Deposits / shares | $159.7M | $146.7M |
| Capital ratio | 9.10% | 10.31% (stronger) |
| Problem loans | 2.76% | 0.87% (stronger) |
| Net charge-offs | 0.13% | 0.01% (stronger) |
| Return on assets | 1.93% (stronger) | 0.52% |
| Loans ÷ deposits | 50.7% | 46.8% (stronger) |
| Uninsured deposits | 15.2% (stronger) | 25.3% |
| Offices | 5 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 20.0% | 0.3% |
Citizens Bank & Trust Company of Vivian, Louisiana has the higher TellerScore (64 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Farmers State Bank & Trust Co. leads on 2 and Citizens Bank & Trust Company of Vivian, Louisiana on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.