Citizens Bank & Trust Company: how it compares with its peers
Against 48 LA banks with half to twice its assets, Citizens Bank & Trust Company's strongest measure in Q2 2026 is efficiency ratio (64.15% vs. a 64.39% peer median). Its weakest relative measure is return on assets (1.09% vs. 1.38%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.09% | 1.38% | Bottom third Ahead of 33% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.23% | 4.34% | Middle third Ahead of 38% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 64.15% | 64.39% | Middle third Ahead of 50% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.9M | $6.1M | Middle third Ahead of 48% of peers |
| Loans to deposits Net loans and leases over total deposits. | 88.66% | 81.31% | Context |
What it means for lending operations
Its efficiency ratio of 64.15% is better than the 64.39% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Louisiana National Bank Ruston, LA · $474M
- The Bank Jennings, LA · $462M
- Guaranty Bank & Trust Company of Delhi, Louisiana Delhi, LA · $457M
- Gulf Coast Bank Abbeville, LA · $514M
- Fifth District Savings Bank New Orleans, LA · $532M
- Winnsboro State Bank & Trust Company Winnsboro, LA · $426M
Questions about Citizens Bank & Trust Company
How big is Citizens Bank & Trust Company?
Citizens Bank & Trust Company, established in 1916, is headquartered in Plaquemine, LA. It reported $481M in total assets in its Q2 2026 FDIC call report and operates 7 offices.
What is Citizens Bank & Trust Company's return on assets?
1.09% annualized in Q2 2026, against a 1.38% median for 48 LA banks with half to twice its assets, ahead of 33% of them.
What is Citizens Bank & Trust Company's efficiency ratio?
64.15% in Q2 2026: it spent about 64 cents in noninterest expense for each dollar of revenue. The peer median is 64.39%, and lower is better.
Is Citizens Bank & Trust Company growing its loans?
Net loans grew 6.1% over the year to Q2 2026, while deposits grew 5.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are LA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Louisiana bank ranked.