BlastPoint's Banking Scorecard
Citizens Bank & Trust Company of Vivian, Louisiana
Micro
Specialty: Other
LA
FDIC cert 19744
Designations: ✓ Community bank
Vivian, LA
2498
banks in Micro tier nationally
66 in LA
View Micro leaderboard (LA) →
Citizens Bank & Trust Company of Vivian, Louisiana has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 1.45% above tier
Key Concerns
Areas that may need attention
- - Return on Assets 2.22% below tier
- - Efficiency Ratio 30.54% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$159.0M
+1.3% YoY
-0.8% QoQ
|
-$58.5M |
$217.5M
+2.3% YoY
|
$757.6M
+4.2% YoY
|
$5.9B
+6.5% YoY
|
41% |
| Total Loans ? |
$70.2M
+2.6% YoY
+1.7% QoQ
|
-$69.0M |
$139.2M
+2.8% YoY
|
$510.8M
+1.6% YoY
|
$3.1B
+8.5% YoY
|
29% |
| Total Deposits ? |
$142.5M
+0.8% YoY
-1.1% QoQ
|
-$41.1M |
$183.7M
+1.8% YoY
|
$647.1M
+4.0% YoY
|
$4.7B
+6.3% YoY
|
43% |
| Return on Assets ? |
-1.14%
+25.3% QoQ
|
-2.22% |
1.08%
+14.7% YoY
|
1.09%
+11.0% YoY
|
1.12%
+15.6% YoY
|
Bottom 2% in tier |
| Net Interest Margin ? |
3.39%
+14.2% YoY
+1.3% QoQ
|
-0.47% |
3.85%
+6.6% YoY
|
4.11%
+6.6% YoY
|
3.75%
+7.1% YoY
|
29% |
| Efficiency Ratio ? |
98.26%
+0.3% YoY
+0.6% QoQ
|
+30.54% |
67.73%
-4.8% YoY
|
68.99%
-3.0% YoY
|
65.09%
-5.1% YoY
|
Bottom 5% in tier |
| Delinquency Rate ? |
0.53%
-85.5% YoY
-43.2% QoQ
|
-0.11% |
0.64%
+24.4% YoY
|
1.20%
-3.6% YoY
|
0.66%
+20.3% YoY
|
44% |
| Loan-to-Deposit Ratio ? |
49.25%
+1.8% YoY
+2.8% QoQ
|
-25.28% |
74.53%
+0.5% YoY
|
76.53%
+1.5% YoY
|
78.04%
+0.7% YoY
|
Bottom 12% in tier |
| Non-Interest-Bearing Deposit Share ? |
26.41%
-7.3% YoY
-1.6% QoQ
|
+4.01% |
22.39%
-1.3% YoY
|
23.36%
-2.3% YoY
|
21.79%
-1.3% YoY
|
68% |
| Nonperforming Asset Ratio ? |
0.24%
-86.3% YoY
-55.9% QoQ
|
-0.22% |
0.45%
+25.1% YoY
|
0.96%
+1.0% YoY
|
0.48%
+20.8% YoY
|
53% |
| 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 ? |
2.01%
+6.0% YoY
+39.3% QoQ
|
+1.45% |
0.56%
+0.3% YoY
|
0.55%
-11.7% YoY
|
0.65%
+0.6% YoY
|
Top 3% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 3%
in Micro
Why this stands out
Current:
2.01%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (2)
Return on Assets
metric
Bottom 2%
in Micro
Why this stands out
Current:
-1.14%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 5%
in Micro
Why this stands out
Current:
98.26%
(Tier avg: 67.73%, National avg: 65.09%)
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
97
97th pctile
Non-Interest Income / Assets
Current: 2.01% · Tier avg: 0.56%
68
68th pctile
Non-Interest-Bearing Deposit Share
Current: 26.41% · Tier avg: 22.39%
53
53th pctile
Nonperforming Asset Ratio
Current: 0.24% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
44
44th pctile
Delinquency Rate
Current: 0.53% · Tier avg: 0.64%
43
43th pctile
Total Deposits
Current: $142.5M · Tier avg: $183.7M
41
41th pctile
Total Assets
Current: $159.0M · Tier avg: $217.5M
29
29th pctile
Net Interest Margin
Current: 3.39% · Tier avg: 3.85%
29
29th pctile
Total Loans
Current: $70.2M · Tier avg: $139.2M
12
12th pctile
Loan-to-Deposit Ratio
Current: 49.25% · Tier avg: 74.53%
5
5th pctile
Efficiency Ratio
Current: 98.26% · Tier avg: 67.73%
2
2th pctile
Return on Assets
Current: -1.14% · Tier avg: 1.08%
Top Weaknesses
2
2th pctile
Return on Assets
Current: -1.14% · Tier avg: 1.08%
5
5th pctile
Efficiency Ratio
Current: 98.26% · Tier avg: 67.73%
12
12th pctile
Loan-to-Deposit Ratio
Current: 49.25% · Tier avg: 74.53%
29
29th pctile
Total Loans
Current: $70.2M · Tier avg: $139.2M
29
29th pctile
Net Interest Margin
Current: 3.39% · Tier avg: 3.85%
41
41th pctile
Total Assets
Current: $159.0M · Tier avg: $217.5M
43
43th pctile
Total Deposits
Current: $142.5M · Tier avg: $183.7M
44
44th pctile
Delinquency Rate
Current: 0.53% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
53
53th pctile
Nonperforming Asset Ratio
Current: 0.24% · Tier avg: 0.45%
68
68th pctile
Non-Interest-Bearing Deposit Share
Current: 26.41% · Tier avg: 22.39%
97
97th pctile
Non-Interest Income / Assets
Current: 2.01% · Tier avg: 0.56%