# CITIZENS BANK
VILLE PLATTE, LA · FDIC certificate 21995 · asset band <$300M · latest filing 2017-06 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $249.9M | |
| Deposits | $212.2M | |
| Loans and leases | $131.8M | |
| Total equity | $35.8M | |
| Loans / deposits | 61.24% (p28 of band) | 75.51% |
| Liquid assets / assets | 45.87% (p76 of band) | |
| Uninsured deposits / deposits | 19.96% (p71 of band) | 14.70% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 14.11% (p81 of band) | 10.91% |
| Unrealized securities loss / equity | 0.44% (p61 of band) | 0.10% |
| AOCI / equity | 0.27% (p32 of band) | |
| ROA (annualized) | 0.31% (p14 of band) | 0.87% |
| Net interest margin | 3.07% (p19 of band) | 3.67% |
| Efficiency ratio | 85.63% (p83 of band) | |
| Noncurrent loans | 0.46% (p44 of band) | 0.61% |
| Net charge-offs (annualized) | 0.00% (p45 of band) | |
| Reserve coverage of noncurrent | 318.47% | |
| Real estate % of loans | 79% | |
| Construction % of loans | 18.96% (p54 of band) | |
| Auto loans | $2.6M (1.96% of loans; DQ 4.52%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -0.1% | |
| Employees | 57 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 1 | capital falling |  |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | capital falling |  |
| 2015-09 | 0 |  | capital falling |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | capital falling |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-09-02 [Citizens targets gap between consumer, commercial banking - Banking Dive](https://news.google.com/rss/articles/CBMimAFBVV95cUxPX1Jqcmw0SnY2ZFdKUEZHc0xaZ0dmTjhxNDFUN09hMDM0Uy1Vd2pyR29yMEd0dG9JRGJUMGJtNWZZV2RfekNoZUNXY19XNWVQLXdaNnF4MFJvbXN1b3RXTlFPaWJXRFZFNzlEcXRNOWxFd2U0M2JTTnJUSFp1aldpVGd2czZWdUtmM1hydE9jaGpNdXFidm9mUw?oc=5) · Banking Dive
- 2026-07-09 [Eighty-eight rising bank leaders advance knowledge at Louisiana Tech's School of Banking - Louisiana Tech University](https://news.google.com/rss/articles/CBMiuwFBVV95cUxQdnN2TEdIRENHV2NHZnNXSnFFMmQ0b1ZfM0cwSzNrdHZLeWkyZGJsd1dsaENMclUxdzNZX1F4UzRRVHZWR2wwYVY2TklEZmZ3NV94X3RmWHBIVWFZSlBuSEtaaHBheDZsUVNsOExfa000X1ppTU05TXIyeWk0WjB6S1dWWXJQNVpMTHRMSjRubEpTME5NOEdia0FnVEZ4cWdrSzlRTmMtQnVUVHZHcmNEd0lYQUFYczFLWk04?oc=5) · Louisiana Tech University
- 2026-03-19 [New lineup of food offerings coming to Citizens Bank Park this season - mlb.com](https://news.google.com/rss/articles/CBMipAFBVV95cUxNb2pEYjJFTW9ELUJTU3phVXRTQTdRWkhUVFlPMG1jak43ZzJXUTA4dDJ6UWRTNzZEZVpIYktXTG9oQXdVUFU3MVlBNDJZZko2ME9tS1ZxdDNEbUVJbmF6OV9OVGNuUzJoY05Id2R5bVk5ZEFTZ2RVbFFZWWRYN1lCQ1NzYjZMWUhpRE12NVFMLVh6M1g3aUR4cGc4UTNsZ1RHQ2hDZNIBsAFBVV95cUxOakh5d2JPcFNVbHF5eEtJc3pBeDBjUlNvb28ySkVJTGhod2FzdGk4RlUwTFlXNDByY1pNc3JvVGRZX2tVcVNjM1YwdHpLZ1VhOG10YlZ6Rzh6ZE93LXFFbkNLNjZ2YjRwWnBJazBOamRfZEZuemtKaENCTmEwRFJGVzBYekxLVHRxNGFWbTJ4bS1SMW1Cc1RzcG5SX0ZCSDRxN0hsZ1oxeHhSR04zV2xEZA?oc=5) · mlb.com
- 2026-07-23 [Citizens Bank Minnesota celebrates 150 years - - nujournal.com](https://news.google.com/rss/articles/CBMinwFBVV95cUxOMmdoYUN0X3J1cV8wdU1vMzJPcU9lNGJ3RHljY3owYkhjeEMwcHd6RUZGd0VmN0hDM3hFcXZFdEpScjV1VEY5N20xNGNmeWw4UUJPZmVFWTRhT2NkbnkyZlBUOW9wUU9HOEloaXAwWlRYRnQtMHc2TVlRRDZva2J3QVJyNkx0SHJXVmNaZXItZ3FUV0VuTTA5UzJ2aF9KelE?oc=5) · nujournal.com
- 2026-06-07 [Activists Demand Citizens Bank De-ICE Its Investments - LA Progressive](https://news.google.com/rss/articles/CBMijwFBVV95cUxNQ0lGdW0wcmhiS0dRVXlJeWpKSkhjM19zeVNqelVndEJiSWdwQmFBbUMwVXR1SHgzM3NrR19UVW9mXy1VZGRiUF9zZ0FuZDFJRThYOTJSWnlaZU5CdHUxN08tZG4wV3FzenJiTUhPdEJ5Tlp3dTdQMXRJdlNsZkl2Mkp1NVVZTXRaX3U2d2JrZw?oc=5) · LA Progressive
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2026-05-18 [Phillies welcome Reds to Citizens Bank Park for 3-Game Set - Metro Philadelphia](https://news.google.com/rss/articles/CBMipgFBVV95cUxQQzgyU1BfbXpZbTRyaENaX0FkdzkzZkNXNE9JVGFLeUtLUE5YdkstV2lHNEJKZ3dGYUVrdWxVLTFER1RYX2dQSEo0a2FWY2Y1RWRqN25SbWRXR3d3QnRyTWhhVmc5NlZFa2ZNakNTT3BNc19DMUVOWFM3V3U1YVNWYzU1eG11X2FYY2F3SWs2c2xaUWJyYThOMnVoWVJVbFdoajdhcXVR?oc=5) · Metro Philadelphia
- 2026-03-25 [Phillies 2026: New food options coming to Citizens Bank Park this season - 6abc Philadelphia](https://news.google.com/rss/articles/CBMimwFBVV95cUxQYXBfYW0ydnlDWlBwQkR5UHFDYWhLNHhGT1Z6U1F6c1ZYTmlra2FLU3JIZmFhMV9sNkhNNG9vajJSaWNqSFk1S3ZNYk80Znp4aUxpdXAzaFh6U3NPanVmYUNrUjB1TXdkMmtlVGFHa0MyeWVOUXNTdEZXM1Y4azgzdkFCWGtBMWFMTVJXaEk1YjlLeG1sSnVQUVNzNNIBoAFBVV95cUxNQ2tHdkhTSklpQlZYaHgtRWI0bDYtdmR3SnoyQ2FzVk41bXk1czdISlN6RWVYZVk4M0c5OWliNjVPUHBEc3ZpOVJXY2hCU3NsaUlPSXRpd2cza0xmbnU1STVoRUV2dXJyOXF6R2VZcjlBcWNmNjhEY0ZFNlQteHlaUGlpT0RTc2U3UXh5UFdfX3NtLS1GR3Q5b01EMjNvNEtu?oc=5) · 6abc Philadelphia

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=21995 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/43.json (key "21995", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide