Institution Class	Commercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary Regulator	FDIC
Established Date	07/05/1916
Community Bank	Yes
Ownership Type	Not Mutual
ZIP	70764
State and County Number	22047
Subchapter S Corporations	No
Trust Powers	Full Trust Powers Granted
Federal Reserve ID Number	06
Numeric code	21
Insured by FDIC	Institutions that are currently open and insured by the FDIC
Federal Reserve District	Dallas
Core Based Statistical Area Name	Baton Rouge, LA

Operational Info

Number of Employees	81
Domestic Offices	7
Foreign Offices	0
US Offices	0
Directly owned by another bank (CERT)	No
Last Structure Change Effective Date	08/31/2022
Date of Deposit Insurance	01/01/1934
Primary Insurance Agency	DIF
Website	www.citizensbankandtrust.com
Data Updated	11/14/2025
CERT	1376
Office of The Comptroller District:	—
Office of Thrift Supervision Region	N/A

Financial Summary

Total Assets	$465.66M
Total Deposits	$377.24M
Total Liabilities	$413.67M
Total Equity Capital	$51.98M
Net Income	$1.03M
Net Loans and Leases	$348.61M
Assets Per Employee ($Millions)	$5.75M
Bank Premises and Fixed Assets	$8.23M
Cash and Balances due from Depository Institutions	$25.89M
Deposits Held in Domestic Offices	$377.24M

Return on Assets (ROA)	0.9%
Return on Equity (ROE)	8.03%
Net Interest Margin	4%
Efficiency Ratio	70.76%
Tier 1 Risk-Based Capital Ratio	13.312%
Net Loans and Leases to Core Deposits	0%
Credit Loss Provision to Assets	0.47%
Cash Dividends to Net Income (YTD Only)	0%
Equity Capital to Assets	11.164%
Earning Assets to total Assets	92.2%

Total Interest Income	$6.25M
Total Noninterest Income	$370.00k
Total Interest Expense	$2.04M
Total Noninterest Expense	$3.24M
Net Interest Income	$4.21M
Pre-tax Net Operating Income	$799.00k
Provision for Credit Losses	$541.00k
Discontinued Operations (Extraordinary Gains - Net)	$0

Goodwill and Other Intangibles	$0
All Other Assets	$0
Other Real Estate Owned	$858.00k
Other borrowed funds	$30.00M
Federal Funds Sold & Reverse Repurchase Agreement	$0
Federal Funds Purchased and Repurchased Agreement	$1.25M
All Other Liabilities	$5.18M
Total Liabilities and Capital	$465.66M

Securities	$61.82M
Available-for-sale debt securities	$30.20M
Equity securities with readily determinable fair values not held for trading	$0
Held-to-maturity securities	$31.62M
Subordinated Debt	$0
Trading Account Assets	$0
Trading Liabilities	$0

What are the total assets of Citizens Bank & Trust Company?

$465.66M as of the latest filing.

How much are Citizens Bank & Trust Company's total deposits?

$377.24M in total deposits.

Where is Citizens Bank & Trust Company located?

Plaquemine, LA.

What is the Net Interest Margin?

4.00%.

How many domestic offices does it operate?

When was it established?

07/05/1916.

What is the Return on Assets (ROA)?

0.9%.

How much are total loans and leases?

$348.61M (latest filing).

What is the total interest income (latest filing)?

$6.25M.