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Citizens Bank And Trust Co

IDRSSD: 56258
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
77
/ 100
StableAs of 2024-Q1QoQ -12

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

Quarterly Headline

2024-Q1

Bank #56258 2024-Q1 Vital Signs Score: 77/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (risk).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.63% of assets (threshold 3%).
  2. info
    Tier 1 RBC below 8%
    Capitalization — Tier 1 RBC 7.56% (PCA threshold 8%).

What changed this quarter

Compared to Q4 2023:
↓ -12 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    ↓ -48
  • Asset Quality
    ↑ +3
  • Reserves
    ↓ -2

The five pillars

Liquidity

StableQoQ -3
78
Sub-score

Liquidity is stable: brokered 4.8%, loans/deposits 55.6%, cash 1.6% of assets.

Cash / Assets
1.63%
Loans / Deposits
55.60%
Brokered %
4.78%

Watch Items

  • watchCash / Assets below 3% — Cash 1.63% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

RiskQoQ -48
30
Sub-score

Capital position is weak: Tier 1 RBC 7.56%, CET1 7.56%, leverage 7.56%.

Tier 1 RBC
7.56%
CET1
7.56%
Leverage
7.56%

Watch Items

  • infoTier 1 RBC below 8% — Tier 1 RBC 7.56% (PCA threshold 8%).

Asset Quality

StrongQoQ +3
97
Sub-score

Asset quality is strong: Adjusted NPL 0.82%, Texas Ratio 4.8%, NCO YTD 0.00%.

Adjusted NPL
0.82%
Govt-guarantees stripped
Texas Ratio
4.8%
NCO YTD
0.00%
30-89 PD
0.25%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ -2
97
Sub-score

Reserves are strong: ALLL 1.50% of loans, coverage 186.3%, true coverage 186.3%.

ALLL / Loans
1.50%
Coverage
186.3%
True Loss Coverage
186.3%
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: 2026-05-12 01:00:35 UTC