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Citizens And Farmers Bank

IDRSSD: 928421
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
87
/ 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 #928421 2024-Q3 Vital Signs Score: 87/100 — 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

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.99% of assets (threshold 3%).

What changed this quarter

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

The five pillars

Liquidity

StableQoQ 0
72
Sub-score

Liquidity is stable: brokered 1.2%, loans/deposits 89.1%, cash 2.0% of assets.

Cash / Assets
1.99%
Loans / Deposits
89.12%
Brokered %
1.16%

Watch Items

  • watchCash / Assets below 3% — Cash 1.99% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.42%
No watch items at this period.

Capitalization

StrongQoQ -2
80
Sub-score

Capital position is strong: Tier 1 RBC 12.09%, CET1 12.09%, leverage 10.05%.

Tier 1 RBC
12.09%
CET1
12.09%
Leverage
10.05%
No watch items at this period.

Asset Quality

StrongQoQ -1
91
Sub-score

Asset quality is strong: Adjusted NPL 0.10%, Texas Ratio 0.7%, NCO YTD 0.68%.

Adjusted NPL
0.10%
Govt-guarantees stripped
Texas Ratio
0.7%
NCO YTD
0.68%
30-89 PD
0.95%
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 2.09% of loans, coverage 2109.2%, true coverage 1088.4%.

ALLL / Loans
2.09%
Coverage
2109.2%
True Loss Coverage
1088.4%
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: 2026-05-12 01:09:32 UTC