Citizens Bank & Trust Company

BankCovington, Louisiana
www.cbtbanking.com

Total Assets

$175.9M

Total Deposits

$155.0M

Branches

5

Established

1945

TFS Health Grade

$
F

57.4 / 100

Poor financial health

How we grade

Citizens Bank & Trust Company is a bank headquartered in Covington, Louisiana, established in 1945. With $175.9M in total assets and 5 branch locations, it has a TFS Financial Health Grade of F (57.4/100).

Capital & Safety

Tier 1 Capital Ratio
11.39%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
7.31%

Profitability

Return on Assets (ROA)
0.96%(1%)
Return on Equity (ROE)
9.62%(10%)
Net Interest Margin
4.10%
Efficiency Ratio
67.23%(60%)

Lending & Liquidity

Total Loans
$129.3M
Loan-to-Deposit Ratio
82.50%
Net Charge-Off Ratio
0.17%

Growth

Asset Growth (YoY)
+0.14%
Deposit Growth (YoY)
-1.16%
Net Income
$1.7M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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