Citizens Bank & Trust Co. of Vivian, Louisiana, Inc., was granted a state charter by the Louisiana Office of Financial Institutions on June 12, 1967. The first office, located at 140 W. Louisiana Avenue opened for business on September 14, 1967. The formal grand opening for the bank’s present site at 120 W. Arkansas Avenue was held August 29, 1968. A branch location was opened at 6330 Youree Drive, Shreveport, LA, on January 3, 2003. The Northwood branch, located at 5755 North Market Street, Shreveport, LA, opened in October, 2007. Our Oil City branch is our newest branch location at 110 Highway 1 North, Oil City, LA.
CB&T's Mortgage Division is located at 7607 Fern Ave., Suite 1003, Shreveport, LA. The CB&T Insurance Division is located at 120 W Arkansas Ave., Vivian, LA.
The primary mission for establishment of the bank was to provide a locally owned financial institution to serve the banking needs of the community. Efforts were made to include businessmen with varied interests in the community to serve as board members. Their combined business knowledge and contact with citizens of the area were a vital part of the success of the new bank.
Citizens Bank & Trust Co. of Vivian, Louisiana, Inc., is currently the oldest locally owned community bank in Caddo and Bossier Parishes.
Changes to the Property Value could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
You can change the property value by moving the Property Value slider up or down or by entering a new Property Value manually in the Property Value box.
When you change the Property Value, only the LTV will change, and the Loan Amount will remain the same Loan Amount.
Other advanced sliders’ options are available with Lendersa® Advanced Calculator
CloseChanges to the loan amount, even so slightly, could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
The Loan Amount Slider
Change the Loan Amount by moving the Loan Amount slider. (The LTV will change, and the Property Value will remain unchanged).
The LTV Slider
Change the Loan Amount by moving the LTV slider. (The Property Value will remain unchanged).
Other advanced options are available with Lendersa® Advanced Calculator
CloseLTV is the abbreviation of Loan To Value, and it is the ratio between the Loan Amount and the Property Value. The formula to calculate LTV is Loan Amount divided by the property value. 
Example: Loan Amount $300,000, Property value $400,000 
Changes to the LTV, even so slightly, could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
The Loan Amount Slider
Change the Loan Amount by moving the Loan Amount slider. (The LTV will change, and the Property Value will remain unchanged).
The LTV Slider
Change the Loan Amount by moving the LTV slider. (The Property Value will remain unchanged).
Other advanced options are available with Lendersa® Advanced Calculator
Close
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NMLS 1795154