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Citizens Bank And Trust Co

IDRSSD: 729945
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
73
/ 100
StableAs of 2025-Q2QoQ -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-Q2

Bank #729945 2025-Q2 Vital Signs Score: 73/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (risk).

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

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 38.3% (Adjusted NPL + Performing Mods denominator).
  2. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 4.88% (govt-guarantees stripped).
  3. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 1.75%.

What changed this quarter

Compared to Q1 2025:
↓ -4 ptscomposite
  • Liquidity
    ↓ -4
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -9
  • Reserves
    ↓ -6

The five pillars

Liquidity

StrongQoQ -4
94
Sub-score

Liquidity is strong: brokered 2.4%, loans/deposits 78.2%, cash 15.1% of assets.

Cash / Assets
15.14%
Loans / Deposits
78.16%
Brokered %
2.35%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 9.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
9.06%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 16.21%, CET1 16.21%, leverage 12.84%.

Tier 1 RBC
16.21%
CET1
16.21%
Leverage
12.84%
No watch items at this period.

Asset Quality

RiskQoQ -9
34
Sub-score

Asset quality is weak: Adjusted NPL 4.88%, Texas Ratio 21.2%, NCO YTD 0.13%.

Adjusted NPL
4.88%
Govt-guarantees stripped
Texas Ratio
21.2%
NCO YTD
0.13%
30-89 PD
6.59%
Band 0.3% / 3.0%
90+ PD
1.75%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.88% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 1.75%.

Reserves

RiskQoQ -6
39
Sub-score

Reserves are weak: ALLL 2.84% of loans, coverage 59.9%, true coverage 38.3%.

ALLL / Loans
2.84%
Coverage
59.9%
True Loss Coverage
38.3%

Watch Items

  • watchTrue Loss Coverage Ratio below 50% — True coverage 38.3% (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