D
Citizens Bank & Trust Company of Vivian, Louisiana
Vivian,  LA
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
10.08
Return On
Assets
-1.46%
Total
Assets
160.34M
Capital
9.99M
Total
Deposits
144.04M
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 5.70
Capitalization Index 8.60
Liquidity Index 4.10
Profitability Index 0.00
Stability Index 3.00
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 -2.18%
5-Year Asset Growth 2.64%
5-Year Charge-Offs to Average Loans 0.10%
Charge-Offs to Average Loans 3.71%
Non-Performing Assets to Assets 0.53%
Non-Performing Loans to Capital 3.78%
Non-Performing Loans to Loans 0.92%
Balance Sheet Citizens Bank & Trust Company of Vivian, Louisiana
Vivian, LA 		Click to
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Total Assets 160.34M
Total Deposits 144.04M
Capital and Reserves Citizens Bank & Trust Company of Vivian, Louisiana
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Capital 9.99M
Leverage Ratio 10.08
Loan Loss Reserves to Loans 0.90%
Risk-Based Capital Ratio --
Liquidity Citizens Bank & Trust Company of Vivian, Louisiana
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Hot Money Ratio 22.82%
Liquidity Ratio 30.14%
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 3.23%
Operating Profit to Average Assets -1.46%
Overhead Efficiency Ratio 97.66%
Return on Assets -1.46%
Return on Equity -25.30%