Citizens Bank & Trust Company: how it compares with its peers
Against 40 LA banks with half to twice its assets, Citizens Bank & Trust Company's strongest measure in Q2 2026 is assets per employee ($5.4M vs. a $5.5M peer median). Its weakest relative measure is return on assets (0.63% vs. 1.13%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.63% | 1.13% | Bottom third Ahead of 20% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.75% | 4.36% | Bottom third Ahead of 20% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 73.52% | 67.79% | Middle third Ahead of 40% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.4M | $5.5M | Middle third Ahead of 50% of peers |
| Loans to deposits Net loans and leases over total deposits. | 70.35% | 78.87% | Context |
What it means for lending operations
Its efficiency ratio of 73.52% is above the 67.79% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Tensas State Bank Newellton, LA · $185M
- Feliciana Bank & Trust Company Clinton, LA · $180M
- South Lafourche Bank & Trust Company Larose, LA · $178M
- Bank of Sunset and Trust Company Sunset, LA · $192M
- Farmers State Bank & Trust Co. Church Point, LA · $175M
- Simmesport State Bank Simmesport, LA · $198M
Questions about Citizens Bank & Trust Company
How big is Citizens Bank & Trust Company?
Citizens Bank & Trust Company, established in 1945, is headquartered in Covington, LA. It reported $184M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is Citizens Bank & Trust Company's return on assets?
0.63% annualized in Q2 2026, against a 1.13% median for 40 LA banks with half to twice its assets, ahead of 20% of them.
What is Citizens Bank & Trust Company's efficiency ratio?
73.52% in Q2 2026: it spent about 74 cents in noninterest expense for each dollar of revenue. The peer median is 67.79%, and lower is better.
Is Citizens Bank & Trust Company growing its loans?
Net loans shrank 16.5% over the year to Q2 2026, while deposits grew 0.5%.
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.