D
Citizens Bank & Trust Company of Vivian, Louisiana
Vivian,  LA
Rating Date
March 2026
Risk Based
Capital Ratio
--
Leverage
Ratio
10.03
Return On
Assets
-1.09%
Total
Assets
159.00M
Capital
10.25M
Total
Deposits
142.52M
Net
Income
-1.79M
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Weiss Ratings Citizens Bank & Trust Company of Vivian, Louisiana
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Rating D
Asset Quality Index 6.10
Capitalization Index 8.60
Liquidity Index 3.90
Profitability Index 0.00
Stability Index 2.70
Company Info Citizens Bank & Trust Company of Vivian, Louisiana
Vivian, LA 		Click to
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FDIC Number 19744
Phone Number (318) 375-3217
Website www.cbtbankco.com
Asset Quality Citizens Bank & Trust Company of Vivian, Louisiana
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1-Year Asset Growth 1.33%
5-Year Asset Growth -0.19%
5-Year Charge-Offs to Average Loans 0.10%
Charge-Offs to Average Loans 2.86%
Non-Performing Assets to Assets 0.28%
Non-Performing Loans to Capital 2.57%
Non-Performing Loans to Loans 0.63%
Balance Sheet Citizens Bank & Trust Company of Vivian, Louisiana
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Total Assets 159.00M
Total Deposits 142.52M
Capital and Reserves Citizens Bank & Trust Company of Vivian, Louisiana
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Capital 10.25M
Leverage Ratio 10.03
Loan Loss Reserves to Loans 0.78%
Risk-Based Capital Ratio --
Liquidity Citizens Bank & Trust Company of Vivian, Louisiana
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Hot Money Ratio 24.58%
Liquidity Ratio 28.61%
Profitability Citizens Bank & Trust Company of Vivian, Louisiana
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5-Year Return on Average Assets 0.46%
Net Income -1.79M
Net Interest Spread 3.28%
Operating Profit to Average Assets -1.09%
Overhead Efficiency Ratio 98.26%
Return on Assets -1.09%
Return on Equity -18.62%