Visbanking Logo
Skip to main content

Citibank National Association

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

Vital Signs Report — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
91
/ 100
StrongAs of 2025-Q1QoQ 0

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

Quarterly Headline

2025-Q1

Bank #476810 2025-Q1 Vital Signs Score: 91/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (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 1.33% of loans.

What changed this quarter

Compared to Q4 2024:
↑ 0 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↓ -1
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ +1
83
Sub-score

Liquidity is strong: brokered 9.0%, loans/deposits 84.7%.

Cash / Assets
—
Loans / Deposits
84.72%
Brokered %
8.96%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 11.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
11.68%
No watch items at this period.

Capitalization

StrongQoQ +1
96
Sub-score

Capital position is strong: Tier 1 RBC 15.74%, CET1 15.52%, leverage 9.09%.

Tier 1 RBC
15.74%
CET1
15.52%
Leverage
9.09%
No watch items at this period.

Asset Quality

StrongQoQ -1
82
Sub-score

Asset quality is strong: Adjusted NPL 0.75%, Texas Ratio 2.8%, NCO YTD 1.33%.

Adjusted NPL
0.75%
Govt-guarantees stripped
Texas Ratio
2.8%
NCO YTD
1.33%
30-89 PD
0.54%
Band 0.3% / 3.0%
90+ PD
0.44%
Band 0.1% / 2.0%

Watch Items

  • infoNet charge-offs elevated — NCO YTD 1.33% of loans.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 2.53% of loans, coverage 344.6%, true coverage 269.7%.

ALLL / Loans
2.53%
Coverage
344.6%
True Loss Coverage
269.7%
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