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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-Q4

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

Synthesis

Vital Signs Score
78
/ 100
StableAs of 2025-Q4QoQ -13

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 #765318 2025-Q4 Vital Signs Score: 78/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 1.96%.
  2. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.50% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2025:
↓ -13 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↓ -31
  • Reserves
    ↓ -37

The five pillars

Liquidity

StrongQoQ 0
88
Sub-score

Liquidity is strong: brokered 5.3%, loans/deposits 82.0%, cash 8.7% of assets.

Cash / Assets
8.70%
Loans / Deposits
82.01%
Brokered %
5.30%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 7.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
7.66%
No watch items at this period.

Capitalization

StrongQoQ +1
100
Sub-score

Capital position is strong: Tier 1 RBC 14.78%, CET1 14.78%, leverage 9.97%.

Tier 1 RBC
14.78%
CET1
14.78%
Leverage
9.97%
No watch items at this period.

Asset Quality

WatchQoQ -31
57
Sub-score

Asset quality is deteriorating: Adjusted NPL 2.50%, Texas Ratio 16.7%, NCO YTD 0.07%.

Adjusted NPL
2.50%
Govt-guarantees stripped
Texas Ratio
16.7%
NCO YTD
0.07%
30-89 PD
1.73%
Band 0.3% / 3.0%
90+ PD
1.96%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.50% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 1.96%.

Reserves

RiskQoQ -37
39
Sub-score

Reserves are weak: ALLL 1.32% of loans, coverage 53.5%, true coverage 53.5%.

ALLL / Loans
1.32%
Coverage
53.5%
True Loss Coverage
53.5%
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