Citizens Bank & Trust Company of Vivian, Louisiana: how it compares with its peers
Against 40 LA banks with half to twice its assets, Citizens Bank & Trust Company of Vivian, Louisiana's strongest measure in Q2 2026 is return on assets (0.52% vs. a 1.13% peer median). Its weakest relative measure is assets per employee ($2.8M vs. $5.6M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.52% | 1.13% | Bottom third Ahead of 18% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.50% | 4.36% | Bottom third Ahead of 13% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 90.44% | 68.33% | Bottom third Ahead of 10% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $2.8M | $5.6M | Bottom third Ahead of 0% of peers |
| Loans to deposits Net loans and leases over total deposits. | 46.78% | 79.51% | Context |
What it means for lending operations
Its efficiency ratio of 90.44% is above the 68.33% 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
- Bank of Winnfield & Trust Company Winnfield, LA · $156M
- State Bank & Trust Company Golden Meadow, LA · $165M
- Colfax Banking Company Colfax, LA · $152M
- Vermilion Bank & Trust Company Kaplan, LA · $145M
- Farmers State Bank & Trust Co. Church Point, LA · $175M
- South Lafourche Bank & Trust Company Larose, LA · $178M
Questions about Citizens Bank & Trust Company of Vivian, Louisiana
How big is Citizens Bank & Trust Company of Vivian, Louisiana?
Citizens Bank & Trust Company of Vivian, Louisiana, established in 1967, is headquartered in Vivian, LA. It reported $160M in total assets in its Q2 2026 FDIC call report and operates 7 offices.
What is Citizens Bank & Trust Company of Vivian, Louisiana's return on assets?
0.52% annualized in Q2 2026, against a 1.13% median for 40 LA banks with half to twice its assets, ahead of 18% of them.
What is Citizens Bank & Trust Company of Vivian, Louisiana's efficiency ratio?
90.44% in Q2 2026: it spent about 90 cents in noninterest expense for each dollar of revenue. The peer median is 68.33%, and lower is better.
Is Citizens Bank & Trust Company of Vivian, Louisiana growing its loans?
Net loans grew 5.8% over the year to Q2 2026, while deposits grew 5.1%.
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.