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Citizens Bank & Trust Company Of Vivian, Louisiana
Vivian, LA · FDIC Certificate #19744 · Chartered 09/1
Total assets
$159.63M
Total deposits
$146.67M
Total equity
$10.33M
Net loans
$68.61M
Branches (offices)
6
Net income (YTD)
$408.00K
Rank: #3,232 of 4,213 U.S. banks by assets · #82 of 103 in Louisiana. Assets changed 3.3% and deposits 5.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.52% |
| Return on equity | 8.00% |
| Net interest margin (YTD) | 3.50% |
| Equity to assets | 6.47% |
| Tier 1 leverage ratio | 10.31% |
| Uninsured deposits (share of deposits) | 25.3% |
| Noncurrent loans (share of loans) | 0.87% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 46.8% |
| Real estate loans (share of loans) | 84.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $58.18M | 84.8% | |
| Commercial & industrial | $7.05M | 10.3% | |
| Consumer / individual | $3.69M | 5.4% | |
| Construction & development | $6.75M | 9.8% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $173.55M | $161.11M | $437.00K | $11.59M |
| Jun 2023 | $162.38M | $145.66M | $134.00K | $8.83M |
| Jun 2024 | $162.98M | $139.86M | $28.00K | $8.91M |
| Jun 2025 | $154.53M | $139.62M | -$1.92M | $8.66M |
| Jun 2026 | $159.63M | $146.67M | $408.00K | $10.33M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Louisiana | $146.67M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $146.67M.
Similar-sized banks
Bank Of Dawson ($159.91M) · First Federal Savings And Loan Association Of Greensburg ($159.48M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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