Visbanking Logo
Skip to main content

Citizens And Farmers Bank

IDRSSD: 928421
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
91
/ 100
StrongAs of 2023-Q4QoQ +6

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

Quarterly Headline

2023-Q4

Bank #928421 2023-Q4 Vital Signs Score: 91/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q3 2023:
↑ +6 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↑ +3
  • Asset Quality
    ↑ +12
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -2
78
Sub-score

Liquidity is stable: brokered 1.2%, loans/deposits 82.5%, cash 3.2% of assets.

Cash / Assets
3.20%
Loans / Deposits
82.52%
Brokered %
1.20%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.87%
No watch items at this period.

Capitalization

StrongQoQ +3
94
Sub-score

Capital position is strong: Tier 1 RBC 12.88%, CET1 12.88%, leverage 10.17%.

Tier 1 RBC
12.88%
CET1
12.88%
Leverage
10.17%
No watch items at this period.

Asset Quality

StrongQoQ +12
89
Sub-score

Asset quality is strong: Adjusted NPL 0.08%, Texas Ratio 0.5%, NCO YTD 0.75%.

Adjusted NPL
0.08%
Govt-guarantees stripped
Texas Ratio
0.5%
NCO YTD
0.75%
30-89 PD
1.21%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 2.26% of loans, coverage 2780.6%, true coverage 1319.9%.

ALLL / Loans
2.26%
Coverage
2780.6%
True Loss Coverage
1319.9%
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: 2026-05-12 01:09:32 UTC