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Citizens Bank And Trust Co Of Jackson

IDRSSD: 765318
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
91
/ 100
StrongAs of 2024-Q4QoQ -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-Q4

Bank #765318 2024-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 2024:
↓ -1 ptscomposite
  • Liquidity
    ↓ -8
  • Securities
    — —
  • Capitalization
    ↑ 0
  • Asset Quality
    ↑ +3
  • Reserves
    ↓ -2

The five pillars

Liquidity

StableQoQ -8
79
Sub-score

Liquidity is stable: brokered 5.4%, loans/deposits 84.4%, cash 5.4% of assets.

Cash / Assets
5.45%
Loans / Deposits
84.37%
Brokered %
5.41%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 8.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
8.06%
No watch items at this period.

Capitalization

StrongQoQ 0
89
Sub-score

Capital position is strong: Tier 1 RBC 13.22%, CET1 13.22%, leverage 9.28%.

Tier 1 RBC
13.22%
CET1
13.22%
Leverage
9.28%
No watch items at this period.

Asset Quality

StrongQoQ +3
98
Sub-score

Asset quality is strong: Adjusted NPL 0.38%, Texas Ratio 2.8%, NCO YTD 0.13%.

Adjusted NPL
0.38%
Govt-guarantees stripped
Texas Ratio
2.8%
NCO YTD
0.13%
30-89 PD
0.46%
Band 0.3% / 3.0%
90+ PD
0.17%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ -2
93
Sub-score

Reserves are strong: ALLL 1.29% of loans, coverage 344.6%, true coverage 344.6%.

ALLL / Loans
1.29%
Coverage
344.6%
True Loss Coverage
344.6%
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 21:10:02 UTC