C
Citizens Bank and Trust Company
Rating Date
October 2025
Risk Based
Capital Ratio
14.21
Leverage
Ratio
11.76
Return On
Assets
0.78%
Total
Assets
465.66M
Capital
51.99M
Total
Deposits
377.24M
Net
Income
2.62M
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Weiss Ratings Citizens Bank and Trust Company
Plaquemine, LA 		Click to
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Rating C
Asset Quality Index 5.40
Capitalization Index 10.00
Liquidity Index 1.20
Profitability Index 4.00
Stability Index 6.10
Company Info Citizens Bank and Trust Company
Plaquemine, LA 		Click to
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FDIC Number 1376
Phone Number (225) 687-1916
Website www.citizensbankandtrust.com
Asset Quality Citizens Bank and Trust Company
Plaquemine, LA 		Click to
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1-Year Asset Growth 2.90%
5-Year Asset Growth 7.80%
5-Year Charge-Offs to Average Loans 0.19%
Charge-Offs to Average Loans 1.08%
Non-Performing Assets to Assets 0.95%
Non-Performing Loans to Capital 6.36%
Non-Performing Loans to Loans 1.01%
Balance Sheet Citizens Bank and Trust Company
Plaquemine, LA 		Click to
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Total Assets 465.66M
Total Deposits 377.24M
Capital and Reserves Citizens Bank and Trust Company
Plaquemine, LA 		Click to
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Capital 51.99M
Leverage Ratio 11.76
Loan Loss Reserves to Loans 0.94%
Risk-Based Capital Ratio 14.21
Liquidity Citizens Bank and Trust Company
Plaquemine, LA 		Click to
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Hot Money Ratio 12.57%
Liquidity Ratio 15.76%
Profitability Citizens Bank and Trust Company
Plaquemine, LA 		Click to
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5-Year Return on Average Assets 0.84%
Net Income 2.62M
Net Interest Spread 4.03%
Operating Profit to Average Assets 0.86%
Overhead Efficiency Ratio 72.45%
Return on Assets 0.78%
Return on Equity 6.90%