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Citibank National Association

IDRSSD: 476810
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
92
/ 100
StrongAs of 2024-Q3QoQ +1

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q3

Bank #476810 2024-Q3 Vital Signs Score: 92/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (strong).

Liquidity:Strong
Securities:Strong
Capitalization:Strong
Asset Quality:Strong
Reserves:Strong

Top 3 Watch Items

  1. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.20% of loans.

What changed this quarter

Compared to Q2 2024:
↑ +1 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↑ 0
  • Asset Quality
    ↑ +1
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ +2
84
Sub-score

Liquidity is strong: brokered 9.1%, loans/deposits 84.0%.

Cash / Assets
—
Loans / Deposits
84.00%
Brokered %
9.07%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 14.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
14.76%
No watch items at this period.

Capitalization

StrongQoQ 0
96
Sub-score

Capital position is strong: Tier 1 RBC 15.66%, CET1 15.45%, leverage 8.95%.

Tier 1 RBC
15.66%
CET1
15.45%
Leverage
8.95%
No watch items at this period.

Asset Quality

StrongQoQ +1
84
Sub-score

Asset quality is strong: Adjusted NPL 0.68%, Texas Ratio 2.5%, NCO YTD 1.20%.

Adjusted NPL
0.68%
Govt-guarantees stripped
Texas Ratio
2.5%
NCO YTD
1.20%
30-89 PD
0.53%
Band 0.3% / 3.0%
90+ PD
0.43%
Band 0.1% / 2.0%

Watch Items

  • infoNet charge-offs elevated — NCO YTD 1.20% of loans.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 2.54% of loans, coverage 383.4%, true coverage 290.4%.

ALLL / Loans
2.54%
Coverage
383.4%
True Loss Coverage
290.4%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-14 14:02:59 UTC