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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-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
78
/ 100
StableAs of 2025-Q3QoQ +5

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

Quarterly Headline

2025-Q3

Bank #729945 2025-Q3 Vital Signs Score: 78/100 — 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. risk
    90+ days past due elevated
    Asset Quality — 90+ PD 3.41%.
  2. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 4.56% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2025:
↑ +5 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +14
  • Reserves
    ↑ +10

The five pillars

Liquidity

StrongQoQ 0
94
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 81.8%, cash 12.4% of assets.

Cash / Assets
12.36%
Loans / Deposits
81.84%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 9.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
9.51%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 16.84%, CET1 16.84%, leverage 13.99%.

Tier 1 RBC
16.84%
CET1
16.84%
Leverage
13.99%
No watch items at this period.

Asset Quality

WatchQoQ +14
48
Sub-score

Asset quality is deteriorating: Adjusted NPL 4.56%, Texas Ratio 19.2%, NCO YTD 0.18%.

Adjusted NPL
4.56%
Govt-guarantees stripped
Texas Ratio
19.2%
NCO YTD
0.18%
30-89 PD
0.63%
Band 0.3% / 3.0%
90+ PD
3.41%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.56% (govt-guarantees stripped).
  • risk90+ days past due elevated — 90+ PD 3.41%.

Reserves

WatchQoQ +10
50
Sub-score

Reserves are deteriorating: ALLL 2.91% of loans, coverage 65.9%, true coverage 57.1%.

ALLL / Loans
2.91%
Coverage
65.9%
True Loss Coverage
57.1%
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: 2026-05-15 01:07:11 UTC