Citizens Bank & Trust Company
Covington, LA
IDRSSD: 384830
Total Assets
$175.88M
Latest filing
Total Deposits
$155.01M
Latest filing
Net Interest Margin
4.07%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
065404544COVINGTON, LA
Key People
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Locations
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Main Office
Citizens Bank & Trust Company
222 N New Hampshire St
Covington, LA 70433
Full Service - Brick and Mortar
Updated 01/30/2026Established 12/31/1945FDIC Certificate 10592
Branches (4)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Citizens Bank & Trust Company (Main) | 222 N New Hampshire St | Covington, LA |
| ABITA SPRINGS BRANCH | 22109 Level St | Abita Springs, LA |
| BARKER'S CORNER BRANCH | 79030 Highway 437 | Covington, LA |
| MANDEVILLE BRANCH | 3100 E Causeway Approach | Mandeville, LA |
| HIGHWAY 25 BRANCH | 73021 Highway 25 | Covington, LA |
Showing 4 of 4
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 12/31/1945 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 70433 |
| State and County Number | 22103 |
| 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 | New Orleans-Metairie, LA |
Operational Info
| Number of Employees | 36 |
| Domestic Offices | 5 |
| 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 | 05/10/1946 |
| Primary Insurance Agency | DIF |
| Website | www.cbtbanking.com |
| Data Updated | 01/30/2026 |
| CERT | 16417 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $175.88M |
| Total Deposits | $155.01M |
| Total Liabilities | $156.92M |
| Total Equity Capital | $18.96M |
| Net Income | $409.00k |
| Net Loans and Leases | $127.88M |
| Assets Per Employee ($Millions) | $5.03M |
| Bank Premises and Fixed Assets | $2.17M |
| Cash and Balances due from Depository Institutions | $20.28M |
| Deposits Held in Domestic Offices | $155.01M |
Key Performance Ratios
| Return on Assets (ROA) | 0.93% |
| Return on Equity (ROE) | 8.69% |
| Net Interest Margin | 4.07% |
| Efficiency Ratio | 65.46% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.27% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.779% |
| Earning Assets to total Assets | 96.43% |
Income and Expense
| Total Interest Income | $2.53M |
| Total Noninterest Income | $122.00k |
| Total Interest Expense | $826.00k |
| Total Noninterest Expense | $1.19M |
| Net Interest Income | $1.70M |
| Pre-tax Net Operating Income | $510.00k |
| Provision for Credit Losses | $120.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.90M |
| Total Liabilities and Capital | $175.88M |
Securities
| Securities | $22.94M |
| Available-for-sale debt securities | $22.42M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Citizens Bank & Trust Company?
$175.88M as of the latest filing.
How much are Citizens Bank & Trust Company's total deposits?
$155.01M in total deposits.
Where is Citizens Bank & Trust Company located?
Covington, LA.
What is the Net Interest Margin?
4.07%.
How many domestic offices does it operate?
5.
When was it established?
12/31/1945.
What is the Return on Assets (ROA)?
0.93%.
How much are total loans and leases?
$127.88M (latest filing).
What is the total interest income (latest filing)?
$2.53M.