Visbanking Logo
Skip to main content

Citizens 1st Bank

IDRSSD: 869663
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
80
/ 100
StrongAs of 2024-Q2QoQ +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-Q2

Bank #869663 2024-Q2 Vital Signs Score: 80/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    Cash / Assets below 3%
    Liquidity — Cash 0.55% of assets (threshold 3%).
  2. watch
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.42% of loans.
  3. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 43.1% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q1 2024:
↑ +1 ptscomposite
  • Liquidity
    ↓ -4
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +9
  • Reserves
    ↓ 0

The five pillars

Liquidity

StableQoQ -4
77
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 75.7%, cash 0.6% of assets.

Cash / Assets
0.55%
Loans / Deposits
75.66%
Brokered %
0.00%

Watch Items

  • riskCash / Assets below 3% — Cash 0.55% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 37.54%, CET1 37.54%, leverage 20.78%.

Tier 1 RBC
37.54%
CET1
37.54%
Leverage
20.78%
No watch items at this period.

Asset Quality

StrongQoQ +9
96
Sub-score

Asset quality is strong: Adjusted NPL 0.96%, Texas Ratio 2.4%, NCO YTD -0.05%.

Adjusted NPL
0.96%
Govt-guarantees stripped
Texas Ratio
2.4%
NCO YTD
-0.05%
30-89 PD
0.30%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ 0
6
Sub-score

Reserves are weak: ALLL 0.42% of loans, coverage 43.9%, true coverage 43.1%.

ALLL / Loans
0.42%
Coverage
43.9%
True Loss Coverage
43.1%

Watch Items

  • infoALLL / NPL below 50% — Coverage 43.9% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 43.1% (Adjusted NPL + Performing Mods denominator).
  • watchALLL / Loans below 0.75% — ALLL 0.42% of loans.

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: 2026-05-12 17:19:47 UTC