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CITIZENS BANK & TRUST COMPANY OF VIVIAN, LOUISIANA

VIVIAN, LA · Supervised by FDIC

Est. 1967FDIC #19,744RSSD: FDIC-19744
Part ofC B&T BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: September 2020

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.35%

Institution Profile

FDIC BankFind

Address

120 W Arkansas Ave, VIVIAN, LA

County

Caddo County

Established

September 14, 1967

Total Assets

$156M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

September 1, 2020

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 5 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$156M

Total Deposits

$143M

Net Loans

$68M

Net Income

$138K

ROA

0.35%

ROE

5.45%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate0.32%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

6

Branch Deposits

$140M

1-Year Change

0

5-year net change: +2 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202430895.78%0.32%
202325895.74%2.71%
202233495.21%2.40%
202148194.59%2.08%
202050390.85%3.58%
201935586.48%4.23%
201833775.07%8.31%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

8 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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