Citizens B&T Co of Vivian La
Vivian, Louisiana · FDIC Cert #19744
Citizens B&T Co of Vivian La is an FDIC-insured bank (Certificate #19744) with $163M in total assets and $140M in total deposits as of the Q2 2024 Call Report. Headquartered in Vivian, Louisiana, the bank maintains a Tier 1 capital ratio of 0.00% (Critically Undercapitalized) and a nonperforming loan ratio of 3.00%. BankHealthData assigns a composite Health Grade of D (39/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Citizens B&T Co of Vivian La (FDIC cert 19744) is a community bank — $163M in total assets, $140M in deposits, serving the Vivian, Louisiana area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Tier 1 capital ratio is not disclosed in the most recent Call Report — unusual but possible for new institutions or those filing under specific regulatory exemptions. Asset quality is elevated: non-performing loan ratio of 3.00% runs above 2%, suggesting the loan book carries more credit risk than peer banks. Elevated NPL can reflect specific portfolio concentrations or broader credit-cycle pressure. Liquidity is very high: 49.1% of assets in liquid form, well above peer norms. Very high liquidity sometimes reflects a bank still building out its loan portfolio or one operating under specific regulatory liquidity requirements.
Profitability is minimal: ROA of 0.03% indicates the bank is barely profitable on an assets basis. Multiple quarters of minimal profitability eventually challenge capital growth and regulatory standing. Health-score trend is mildly positive across the recent-quarters window. The directional signal is favorable but not dramatic. Citizens B&T Co of Vivian La carries a composite BankHealth grade of D (39/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Citizens B&T Co of Vivian La
- Total Assets
- $163M
- Total Deposits
- $140M
- Tier 1 Capital Ratio
- 0.00%
- Capital Status
- Critically Undercapitalized
- Nonperforming Loans
- 3.00%
- Liquidity Ratio
- 49.07%
- Return on Assets
- 0.03%
- Headquarters
- Vivian, Louisiana
- FDIC Certificate
- #19744
- Health Grade
- D (39/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Citizens B&T Co of Vivian La holds a Tier 1 capital ratio of 0.00%. This falls below the 6% threshold regulators require, which may subject Citizens B&T Co of Vivian La to additional regulatory scrutiny.
Key Financial Metrics
What This Means For Your Money
Citizens B&T Co of Vivian La shows some financial weakness with a Health Score of 39/100. This does not mean the bank will fail, but some financial indicators are below average. Your FDIC-insured deposits (up to $250,000) are fully protected by the US government.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Citizens B&T Co of Vivian La Compares
Citizens B&T Co of Vivian La’s Health Score of 39 is 24 points below the Louisiana state average of 63 across 93 FDIC-insured banks. Its 0.00% Tier 1 capital ratio is 14.0 points below the US banking industry average near 14%. The 3.00% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 0.03% is below the national ROA benchmark of ~1.1%. Among 1424 similarly-sized banks, the average Health Score is 68, meaning this bank ranks below its size cohort. Site-wide, Citizens B&T Co of Vivian La is 31 points below the portfolio average of 70.
Frequently Asked Questions
Citizens B&T Co of Vivian La has a Bank Health Score of D (39/100), placing it showing signs of financial stress. It holds a Tier 1 capital ratio of 0.00%, which is below the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Citizens B&T Co of Vivian La's Tier 1 capital ratio of 0.00% and nonperforming loan ratio of 3.00% indicate an elevated risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Citizens B&T Co of Vivian La is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #19744). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Citizens B&T Co of Vivian La holds $163M in total assets and $140M in total deposits. It is headquartered in Vivian, Louisiana (FDIC Certificate #19744).
Citizens B&T Co of Vivian La has a Tier 1 capital ratio of 0.00%, classifying it as "Critically Undercapitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 3.00%, and the return on assets is 0.03%.
Yes. Citizens B&T Co of Vivian La is FDIC-insured (Certificate #19744). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An D grade on our Bank Health Score means 40-54/100 — multiple metrics showing stress; worth monitoring. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Citizens B&T Co of Vivian La shows financial stress on one or more metrics. While insured deposits remain protected up to $250K per depositor per ownership category, depositors with higher balances may want to spread funds across additional FDIC-insured institutions. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.