Compared with Louisiana
6 of 14
compared fees are above the median.
5 below, 3 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
78th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Louisiana median
of 14 compared; 5 below, 3 about the same
See the feesFee schedule read Oct 27, 2026
Call-report figures are for Citizens Bank & Trust Company at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 1,412 banks with $300M to $1B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Louisiana median | Published fees above the Louisiana median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Citizens Bank & Trust Company's published fee schedule; Bank Fee Index medians | Current schedule | Oct 27, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 3.7% of revenue, above the 2.1% median of 1,412 banks with $300M to $1B in assets (78th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $194K in Q2 2026, 13% above the same quarter a year earlier ($172K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
6 of 14 compared published fees sit above the Louisiana median; 5 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Louisiana medians for fees published by banks and credit unions.
Monthly Maintenance
Community Club/Plus $3 to $9 · Freedom Checking $5 · Progressive Account $15 · Wealth Management Checking $25
Compared at $9, the middle of its prices
Overdraft (OD)
Compared at $33, its standard fee, the highest of its prices
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for Louisiana, the Atlanta district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income rose 10% from Q3 2025 to Q2 2026, to $194K. Its share of revenue, 3.7%, is above the 2.1% median for banks with $300M to $1B in assets.
$194K
Citizens Bank & Trust CompanyMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 1,412 banks with $300M to $1B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Overdraft: Listed at $29 to $33; we compare the highest. Monthly maintenance: Listed at $3 to $25; we compare the midpoint.
Citizens Bank & Trust Company · $481M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 15 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Citizens Bank & Trust Company(this institution) | Plaquemine, LA | $481M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Arundel Federal Savings Bank | Glen Burnie, MD | $492M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Century Bank and Trust | Milledgeville, GA | $491M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Citizens National Bank of Cheboygan | Cheboygan, MI | $471M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Dean Co-operative Bank | Franklin, MA | $494M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Eclipse Bank, Inc. | Louisville, KY | $486M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| EvaBank | Eva, AL | $491M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First National Bank in New Bremen | New Bremen, OH | $467M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| FirstBank of Nebraska | Wahoo, NE | $498M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| FNB Community Bank | Midwest City, OK | $480M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| FSNB, National Association | Lawton, OK | $478M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Fulton Savings Bank | Fulton, NY | $492M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Hoyne Savings Bank | Chicago, IL | $480M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Iowa State Bank | Des Moines, IA | $481M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Local Bank | Hulbert, OK | $463M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Mechanics & Farmers Bank | Durham, NC | $476M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Northview Bank | Sandstone, MN | $470M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Ohio State Bank | Bexley, OH | $484M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Pbt Bancorp | Hazard, KY | $473M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| River City Bank, Inc. | Louisville, KY | $495M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Seamen's Bank | Provincetown, MA | $478M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Southwest Capital Bank | Albuquerque, NM | $483M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Sterling Federal Bank, F.S.B. | Sterling, IL | $482M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Bank, National Association | McAlester, OK | $488M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Citizens Bank of Clovis | Clovis, NM | $493M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Wallkill Valley Federal Savings and Loan Association | Wallkill, NY | $485M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 16 publish this fee(monthly maintenance)
9 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $9, the middle of its five prices, against a peer median of $7 among 16 publishing peers.
Its five checking prices are $3, $5, $9, $15 and $25.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Oct 26, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 26, 2026. Total assets from FDIC and NCUA records.
Call reports for Citizens Bank & Trust Company (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $194K | +$18K | +10.2% |
| Q1 2026 | $176K | +$5K | +2.9% |
| Q4 2025 | $171K | −$5K | −2.8% |
| Q3 2025 | $176K | +$4K | +2.3% |
| Q2 2025 | $172K | −$1K | −0.6% |
| Q1 2025 | $173K | +$14K | +8.8% |
| Q4 2024 | $159K | −$17K | −9.7% |
| Q3 2024 | $176K | −$5K | −2.8% |
Financial cohort: 1,433 banks with $300M to $1B in assets filing for Q2 2026; 1,412 reported a share above 0% and are counted, Citizens Bank & Trust Company left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Citizens Bank & Trust Company by share.
Amounts from Citizens Bank & Trust Company’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per month
per month
per hour
per hour
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Freedom Checking Monthly maintenance fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly maintenance fee | $3Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly maintenance fee | $9Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Progressive Account Monthly maintenance fee | $15Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Wealth Management Checking Monthly maintenance fee | $25Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Early Account Closure | $10Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Account Reconcilement | $15Not compared: Charged per hour; comparison unavailable | per hour | None |
| Account Research | $15Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| Overdraft Fees (audience not stated, treated as personal) | $29Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Paid Item Overdraft Fee | $33Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Returned Item NSF Fee | $33Above the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| Lost Debit Card | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Wires: Domestic Outgoing | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wires: Domestic Incoming | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Wires: International Outgoing (audience not stated, treated as personal) | $20Below the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
| Wires: International Incoming (audience not stated, treated as personal) | $10Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
Check Services | |||
| Stop Payment Charge | $33Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Collection Items | $18Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
Cash & Deposit | |||
| Return Items | $5Below the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Account Services | |||
| Safe Deposit Box 10 x 10 (audience not stated, treated as personal) | $125Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3 x 10 (audience not stated, treated as personal) | $45Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3 x 5 (audience not stated, treated as personal) | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5 x 10 (audience not stated, treated as personal) | $65Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5 x 5 (audience not stated, treated as personal) | $35Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Tax Levy and Garnishment Processing | $25Below the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Oct 27, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where Citizens Bank & Trust Company operates, and what regulators and customers have on file.
Branch footprint
7 offices in 1 state, $405.4M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 7 | $405.4M |
Baton Rouge, LA
1.5% of bank deposits, #9 of 40, up 0.2 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| JPMorgan Chase Bank, National Association | 31.7% |
| Hancock Whitney Bank | 14.4% |
| Capital One, National Association | 10.8% |
| b1BANK | 7.2% |
| Regions Bank | 6.9% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Baton Rouge, LA, Citizens Bank & Trust Company holds 1.5% of bank deposits, #9 of 40, with 7 offices.
279 offices of 68 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
9 of 40 institutions shown. $26.7B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 1.5% share, 7 offices, #9 of 40
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
90 offices of 31 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Enforcement actions
None on file with the Federal Reserve
The Federal Reserve has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
We check once a day and send one email covering every change.