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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 — 2025-Q1

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

Synthesis

Vital Signs Score
89
/ 100
StrongAs of 2025-Q1QoQ +2

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 #928421 2025-Q1 Vital Signs Score: 89/100 — 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. info
    Cash / Assets below 3%
    Liquidity — Cash 2.98% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2024:
↑ +2 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↑ +4
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ +1
75
Sub-score

Liquidity is stable: brokered 1.1%, loans/deposits 86.7%, cash 3.0% of assets.

Cash / Assets
2.98%
Loans / Deposits
86.73%
Brokered %
1.12%

Watch Items

  • infoCash / Assets below 3% — Cash 2.98% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.18%
No watch items at this period.

Capitalization

StrongQoQ +2
84
Sub-score

Capital position is strong: Tier 1 RBC 12.44%, CET1 12.44%, leverage 10.20%.

Tier 1 RBC
12.44%
CET1
12.44%
Leverage
10.20%
No watch items at this period.

Asset Quality

StrongQoQ +4
92
Sub-score

Asset quality is strong: Adjusted NPL 0.12%, Texas Ratio 0.7%, NCO YTD 0.63%.

Adjusted NPL
0.12%
Govt-guarantees stripped
Texas Ratio
0.7%
NCO YTD
0.63%
30-89 PD
0.78%
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 2.03% of loans, coverage 1760.1%, true coverage 953.9%.

ALLL / Loans
2.03%
Coverage
1760.1%
True Loss Coverage
953.9%
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