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Citizens And Northern Bank

IDRSSD: 895710
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
85
/ 100
StrongAs of 2024-Q3QoQ -2

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 #895710 2024-Q3 Vital Signs Score: 85/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

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

What changed this quarter

Compared to Q2 2024:
↓ -2 ptscomposite
  • Liquidity
    ↑ +9
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↓ -7
  • Reserves
    ↓ -15

The five pillars

Liquidity

StrongQoQ +9
83
Sub-score

Liquidity is strong: brokered 2.1%, loans/deposits 87.2%, cash 6.9% of assets.

Cash / Assets
6.87%
Loans / Deposits
87.16%
Brokered %
2.09%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.28%
No watch items at this period.

Capitalization

StrongQoQ +1
96
Sub-score

Capital position is strong: Tier 1 RBC 13.85%, CET1 13.85%, leverage 9.94%.

Tier 1 RBC
13.85%
CET1
13.85%
Leverage
9.94%
No watch items at this period.

Asset Quality

StrongQoQ -7
88
Sub-score

Asset quality is strong: Adjusted NPL 1.30%, Texas Ratio 8.6%, NCO YTD 0.26%.

Adjusted NPL
1.30%
Govt-guarantees stripped
Texas Ratio
8.6%
NCO YTD
0.26%
30-89 PD
0.85%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -15
49
Sub-score

Reserves are deteriorating: ALLL 1.08% of loans, coverage 83.6%, true coverage 77.7%.

ALLL / Loans
1.08%
Coverage
83.6%
True Loss Coverage
77.7%
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 14:41:55 UTC