C B&T BANCSHARES INC is the bank holding company. CITIZENS BANK & TRUST COMPANY OF VIVIAN, LOUISIANA is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the holding company level.

Bank Holding Company

C B&T BANCSHARES INC

Legal name: C B & T BANCSHARES, INC.

1 active bank · $156M combined assets

RSSD ID: 3010288 (FFIEC NIC)

Combined Assets

$156M

CRA Rating Summary

Satisfactory1charter

Across all 9 exams on record for this holding company's charters, 89% resulted in Outstanding or Satisfactory.

Primary bankCITIZENS BANK & TRUST COMPANY OF VIVIAN, LOUISIANAVIVIAN, LASatisfactory$156MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$156M

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$143M

Net Income

$138K

ROA (avg)

0.35%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2024Lender rankings →

Aggregated HMDA data across all active charters for 2024.

Applications

308

Origination Rate

95.78%

Denial Rate

0.32%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
CITIZENS BANK & TRUST COMPANY OF VIVIAN, LOUISIANA	VIVIAN, LA	FDIC	$156M	100.0%	Satisfactory	Sep 2020

CRA (Community Reinvestment Act) exams are conducted per charter, not per holding company. Asset figures are from the most recent FDIC call report.