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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 — 2025-Q1

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

Synthesis

Vital Signs Score
91
/ 100
StrongAs of 2025-Q1QoQ -1

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 #765318 2025-Q1 Vital Signs Score: 91/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (strong).

Liquidity:Strong
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 Q4 2024:
↓ -1 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↓ -7
  • Reserves
    ↓ -2

The five pillars

Liquidity

StrongQoQ +3
83
Sub-score

Liquidity is strong: brokered 5.4%, loans/deposits 83.7%, cash 6.8% of assets.

Cash / Assets
6.85%
Loans / Deposits
83.72%
Brokered %
5.40%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 7.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
7.62%
No watch items at this period.

Capitalization

StrongQoQ +2
90
Sub-score

Capital position is strong: Tier 1 RBC 13.48%, CET1 13.48%, leverage 9.20%.

Tier 1 RBC
13.48%
CET1
13.48%
Leverage
9.20%
No watch items at this period.

Asset Quality

StrongQoQ -7
91
Sub-score

Asset quality is strong: Adjusted NPL 0.70%, Texas Ratio 5.1%, NCO YTD 0.02%.

Adjusted NPL
0.70%
Govt-guarantees stripped
Texas Ratio
5.1%
NCO YTD
0.02%
30-89 PD
0.85%
Band 0.3% / 3.0%
90+ PD
0.45%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ -2
91
Sub-score

Reserves are strong: ALLL 1.31% of loans, coverage 189.1%, true coverage 189.1%.

ALLL / Loans
1.31%
Coverage
189.1%
True Loss Coverage
189.1%
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