Visbanking Logo
Skip to main content

Citizens Bank And Trust Co

IDRSSD: 729945
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
77
/ 100
StableAs of 2025-Q1QoQ -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-Q1

Bank #729945 2025-Q1 Vital Signs Score: 77/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (watch).

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

Top 3 Watch Items

  1. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 4.24% (govt-guarantees stripped).
  2. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 44.1% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q4 2024:
↓ -4 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -14
  • Reserves
    ↓ -5

The five pillars

Liquidity

StrongQoQ +1
99
Sub-score

Liquidity is strong: brokered 2.2%, loans/deposits 67.7%, cash 20.6% of assets.

Cash / Assets
20.56%
Loans / Deposits
67.70%
Brokered %
2.19%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 12.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
12.58%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 16.77%, CET1 16.77%, leverage 11.30%.

Tier 1 RBC
16.77%
CET1
16.77%
Leverage
11.30%
No watch items at this period.

Asset Quality

WatchQoQ -14
43
Sub-score

Asset quality is deteriorating: Adjusted NPL 4.24%, Texas Ratio 17.8%, NCO YTD 0.35%.

Adjusted NPL
4.24%
Govt-guarantees stripped
Texas Ratio
17.8%
NCO YTD
0.35%
30-89 PD
3.18%
Band 0.3% / 3.0%
90+ PD
0.86%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.24% (govt-guarantees stripped).

Reserves

WatchQoQ -5
46
Sub-score

Reserves are deteriorating: ALLL 3.08% of loans, coverage 74.9%, true coverage 44.1%.

ALLL / Loans
3.08%
Coverage
74.9%
True Loss Coverage
44.1%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 44.1% (Adjusted NPL + Performing Mods denominator).

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: 2026-05-15 01:07:11 UTC