BlastPoint's Banking Scorecard
Citizens Bank & Trust Company
Micro
Specialty: Commercial
LA
FDIC cert 16417
Designations: ✓ Community bank
Covington, LA
2498
banks in Micro tier nationally
66 in LA
View Micro leaderboard (LA) →
Citizens Bank & Trust Company faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Delinquency Rate 6.75% above tier
- - Nonperforming Asset Ratio 4.92% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$175.9M
+0.1% YoY
+0.6% QoQ
|
-$41.6M |
$217.5M
+2.3% YoY
|
$757.6M
+4.2% YoY
|
$5.9B
+6.5% YoY
|
45% |
| Total Loans ? |
$127.9M
-8.5% YoY
-2.5% QoQ
|
-$11.3M |
$139.2M
+2.8% YoY
|
$510.8M
+1.6% YoY
|
$3.1B
+8.5% YoY
|
53% |
| Total Deposits ? |
$155.0M
-1.2% YoY
+0.8% QoQ
|
-$28.6M |
$183.7M
+1.8% YoY
|
$647.1M
+4.0% YoY
|
$4.7B
+6.3% YoY
|
47% |
| Return on Assets ? |
0.96%
+41.4% YoY
-1.2% QoQ
|
-0.12% |
1.08%
+14.7% YoY
|
1.09%
+11.0% YoY
|
1.12%
+15.6% YoY
|
43% |
| Net Interest Margin ? |
4.10%
+12.9% YoY
-0.7% QoQ
|
+0.24% |
3.85%
+6.6% YoY
|
4.11%
+6.6% YoY
|
3.75%
+7.1% YoY
|
63% |
| Efficiency Ratio ? |
67.23%
-9.0% YoY
-0.8% QoQ
|
-0.50% |
67.73%
-4.8% YoY
|
68.99%
-3.0% YoY
|
65.09%
-5.1% YoY
|
47% |
| Delinquency Rate ? |
7.39%
+192.8% YoY
+31.4% QoQ
|
+6.75% |
0.64%
+24.4% YoY
|
1.20%
-3.6% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
82.50%
-7.4% YoY
-3.2% QoQ
|
+7.97% |
74.53%
+0.5% YoY
|
76.53%
+1.5% YoY
|
78.04%
+0.7% YoY
|
37% |
| Non-Interest-Bearing Deposit Share ? |
27.62%
-4.8% YoY
+1.0% QoQ
|
+5.23% |
22.39%
-1.3% YoY
|
23.36%
-2.3% YoY
|
21.79%
-1.3% YoY
|
72% |
| Nonperforming Asset Ratio ? |
5.37%
+167.7% YoY
+27.3% QoQ
|
+4.92% |
0.45%
+25.1% YoY
|
0.96%
+1.0% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
8.68%
-5.6% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.24%
+18.4% YoY
+39.1% QoQ
|
-0.32% |
0.56%
+0.3% YoY
|
0.55%
-11.7% YoY
|
0.65%
+0.6% YoY
|
30% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
7.39%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
5.37%
(Tier avg: 0.45%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
72
72th pctile
Non-Interest-Bearing Deposit Share
Current: 27.62% · Tier avg: 22.39%
63
63th pctile
Net Interest Margin
Current: 4.10% · Tier avg: 3.85%
53
53th pctile
Total Loans
Current: $127.9M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
47
47th pctile
Efficiency Ratio
Current: 67.23% · Tier avg: 67.73%
47
47th pctile
Total Deposits
Current: $155.0M · Tier avg: $183.7M
45
45th pctile
Total Assets
Current: $175.9M · Tier avg: $217.5M
43
43th pctile
Return on Assets
Current: 0.96% · Tier avg: 1.08%
37
37th pctile
Loan-to-Deposit Ratio
Current: 82.50% · Tier avg: 74.53%
30
30th pctile
Non-Interest Income / Assets
Current: 0.24% · Tier avg: 0.56%
0
0th pctile
Delinquency Rate
Current: 7.39% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 5.37% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 5.37% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 7.39% · Tier avg: 0.64%
30
30th pctile
Non-Interest Income / Assets
Current: 0.24% · Tier avg: 0.56%
37
37th pctile
Loan-to-Deposit Ratio
Current: 82.50% · Tier avg: 74.53%
43
43th pctile
Return on Assets
Current: 0.96% · Tier avg: 1.08%
45
45th pctile
Total Assets
Current: $175.9M · Tier avg: $217.5M
47
47th pctile
Total Deposits
Current: $155.0M · Tier avg: $183.7M
47
47th pctile
Efficiency Ratio
Current: 67.23% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
53
53th pctile
Total Loans
Current: $127.9M · Tier avg: $139.2M
63
63th pctile
Net Interest Margin
Current: 4.10% · Tier avg: 3.85%
72
72th pctile
Non-Interest-Bearing Deposit Share
Current: 27.62% · Tier avg: 22.39%