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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 — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
82
/ 100
StrongAs of 2025-Q4QoQ -4

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

Quarterly Headline

2025-Q4

Bank #895710 2025-Q4 Vital Signs Score: 82/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.46% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2025:
↓ -4 ptscomposite
  • Liquidity
    ↓ -8
  • Securities
    — —
  • Capitalization
    ↓ -14
  • Asset Quality
    ↓ -4
  • Reserves
    ↑ +10

The five pillars

Liquidity

StableQoQ -8
71
Sub-score

Liquidity is stable: brokered 0.1%, loans/deposits 89.9%, cash 1.5% of assets.

Cash / Assets
1.46%
Loans / Deposits
89.94%
Brokered %
0.15%

Watch Items

  • watchCash / Assets below 3% — Cash 1.46% 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
0.24%
No watch items at this period.

Capitalization

StrongQoQ -14
84
Sub-score

Capital position is strong: Tier 1 RBC 12.60%, CET1 12.60%, leverage 9.44%.

Tier 1 RBC
12.60%
CET1
12.60%
Leverage
9.44%
No watch items at this period.

Asset Quality

StrongQoQ -4
88
Sub-score

Asset quality is strong: Adjusted NPL 1.42%, Texas Ratio 9.9%, NCO YTD 0.16%.

Adjusted NPL
1.42%
Govt-guarantees stripped
Texas Ratio
9.9%
NCO YTD
0.16%
30-89 PD
0.79%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +10
68
Sub-score

Reserves are stable: ALLL 1.32% of loans, coverage 94.3%, true coverage 94.3%.

ALLL / Loans
1.32%
Coverage
94.3%
True Loss Coverage
94.3%
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