# CITIZENS SAVINGS BANK
BOGALUSA, LA · FDIC certificate 30270 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $329.1M | |
| Deposits | $282.4M | |
| Loans and leases | $255.0M | |
| Total equity | $44.8M | |
| Loans / deposits | 87.91% (p66 of band) | 82.04% |
| Liquid assets / assets | 19.93% (p32 of band) | |
| Uninsured deposits / deposits | 10.99% (p5 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 14.33% (p86 of band) | 10.81% |
| Unrealized securities loss / equity | -8.21% (p50 of band) | -8.10% |
| AOCI / equity | -0.49% (p42 of band) | |
| ROA (annualized) | 1.28% (p50 of band) | 1.28% |
| Net interest margin | 4.90% (p92 of band) | 3.91% |
| Efficiency ratio | 67.31% (p67 of band) | |
| Noncurrent loans | 0.74% (p65 of band) | 0.43% |
| Net charge-offs (annualized) | 0.14% (p87 of band) | |
| Reserve coverage of noncurrent | 357.40% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 47.89% (p54 of band) | |
| Auto loans | $2.7M (1.05% of loans; DQ 4.73%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 1.9% | |
| Employees | 78 | |

## Flags firing in the latest filing

- none

## 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 | deposits shrinking |  |
| 2012-09 | 0 |  | deposits shrinking |
| 2012-12 | 0 |  |  |
| 2013-03 | 2 | deposits shrinking, assets shrinking |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 3 | reserve under noncurrent |  |
| 2014-03 | 2 |  | assets shrinking |
| 2014-06 | 1 |  | deposits shrinking |
| 2014-09 | 3 | deposits shrinking, uninsured deposits leaving |  |
| 2014-12 | 2 | noncurrent p90 | deposits shrinking, uninsured deposits leaving |
| 2015-03 | 2 |  |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 0 |  | reserve under noncurrent, noncurrent p90 |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | charge-offs p90 |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | charge-offs p90 |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | charge-offs p90 |  |
| 2018-09 | 0 |  | charge-offs p90 |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | charge-offs p90 |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 | capital falling | charge-offs p90 |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 0 |  | capital falling |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 1 | capital falling |  |
| 2025-03 | 1 | charge-offs p90 | capital falling |
| 2025-06 | 0 |  | charge-offs p90 |
| 2025-09 | 1 | charge-offs p90 |  |
| 2025-12 | 0 |  | charge-offs p90 |
| 2026-03 | 1 | charge-offs p90 |  |
| 2026-06 | 0 |  | charge-offs p90 |

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

- 2024-12-31 [36 Black-Owned Banks and Credit Unions, Sorted by State - businessinsider.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxQR2dKWjVxQ3RoR1BRQi0xZG5sYWowMmFaaF9xWUxVTkZiYlMtTGlTcGgtcGxCZldrMHd2VEQzOWFDNjFUMFVtM1lkNHFEc1gzYU1zMWdVTm1NNk1UWlpESUdBalRXZ3ZMSlNkX0x0ZHB4cVcybF9TN1R0b1NxZVh4TEhReEJ1SVg2dU5TY0tpTnhIdw?oc=5) · businessinsider.com
- 2015-11-25 [Carver State Bank Hosts National Bankers - The Savannah Tribune](https://news.google.com/rss/articles/CBMiigFBVV95cUxOYkY0WV9qamdhNWhweTE2WWl1X2RZdHdMbzh2Snp0VVVZTEpvQkR1dDQ4N0JhODhWWl9tR3A5RUxYRWFoUUlYV09zOXF2X1ZQWEhqNW9fdGJyT0RENDJ1UVJEX0VHTEtxUVJuQm5NMllUQ2wxaE1jNzJ1T0VndzY3TzBBRkh2eTF2d1E?oc=5) · The Savannah Tribune
- 2026-08-03 [Courthouse Records: Civil cases, marriages, and deed transactions through July 30, 2026 - natchezdemocrat.com](https://news.google.com/rss/articles/CBMizAFBVV95cUxNN0UzRTVXMGJUM0pRam9iTDJrRFR2UnZudnVDa2NGYXNHWTNSVHA2X3hFTkprVTBmU05vQ09zODYxZHBfUEh1UW5SSnhGNDR3Si1iUHFvdFlaYWYxVlI0d3JFTjRGTDNfdDlsSXFob3dKb2ZqVHhDV1VoLUMxbGU3aTc2OC1sbk1ERldQMEFXRW5wZVhXMkM1N1NkQkJnaUJOdnFXX1laek0zTkhaWnI3VWVLQ0ZQeHdVOFN0M0tJbFdIRWRzZUZPb25MWk8?oc=5) · natchezdemocrat.com
- 2024-05-14 [Northshore businesses recognized at 2023 Louisiana Small Business Award Ceremony - an17.com](https://news.google.com/rss/articles/CBMi-AFBVV95cUxPWS1GYlNxX0tyN014aVhXY1g0REVhdk1CemtWblpjaGVFc2ozbm5DSFZjNU5mRUpHUG5MTlJTY2lsZi1DZF9zczdnQWRCeHFMZUthdXAzelFqd1E3NzJQbE1oem1hT3BoTGt6ckJCWE14S1Qxd0tyeUN3ZUQ0aXVWQmxmVVk0azduQlczNlR6ZjZUbUszWHE2Rml6T05DVG1paEgtZGxQckZGS1FFX2g0eG5PclEta2Z5Y0Z0d3RCY0xxVDJFc19vY0RYelROOXNMY3MyaGJDQVVhTEpoYU43bUgtRnNpMjhCY3dUSUFha3h0N016MlhybA?oc=5) · an17.com
- 2018-10-02 [Here are all of the banks that currently support Apple Pay - iMore](https://news.google.com/rss/articles/CBMid0FVX3lxTE9ZY3JkQUdrNTNjWmMzVFk2QXBlWExaRnI3bjVsQ28wVlFRWUc5TEVWMm5TWkZ6RmtKTTNZRUhKbExyS25yb2pnRTc5VklBeW13Mzk0aU9MWVNGbHpiMDJUM1pfOVFvdFhCdGpNLUJQVG9ybXYzNlc4?oc=5) · iMore
- 2010-01-09 [Tim Novak Obituary Jan 9, 2010 - Helms Funeral Home](https://news.google.com/rss/articles/CBMiZEFVX3lxTE1MQjlTNVJ4amZpeUR3eEdNRDlvVHZWY3hjcHdkTGVlbmVqOVdObG1UdndBbFgzVjVOcG5QX2JSbm40eGNNaUVnNnVzcjJ1dkJtcXVIcWpVUE4xeFo2Z3ViNmV2Q2Y?oc=5) · Helms Funeral Home
- 2024-12-19 [Roxanne Bernadette Fortenberry Obituary (2024) - Bogalusa, LA - Poole-Ritchie Funeral Home & Crematory - Bogalusa - legacy.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxNSlp1bHh5Vm16c1V6TThHRUF2ZGhDYjRBSHE4aTVaeUhNbmNPR0tuekxSU0UzT2tfSDllb3Z3dmZrN1AySGo4OFhGRU5RcWtaN2w4OHdKdENZUVpUNG1wTk5kYXExRm5ITE80RVBleHZ5V1pINm1nX283a2g0RzBHREdVQ2l2T251R0E?oc=5) · legacy.com
- 2025-04-08 [Tillman S. Stogner Jr. Obituary (2025) - Bogalusa, LA - Poole-Ritchie Funeral Home & Crematory - Bogalusa - legacy.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxNa2F5S1VWUW03dWpsZi1fU2JBZWNKOGctVmhJTTFhRkJXSm5FbHp0OWN1NURRdDRoZ190Y3A2UlhLTXlVdFFiVkk0OC02Z2JEN1B5bFpKOTYxWDdKY29xWms0d0g2Um9ISFo3emtqdG9EVnJ1UEt4NnNpMnNkanJoWUdYREs?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=30270 (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/62.json (key "30270", 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