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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-Q4

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

Synthesis

Vital Signs Score
76
/ 100
StableAs of 2025-Q4QoQ -2

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 #729945 2025-Q4 Vital Signs Score: 76/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (risk).

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

Top 3 Watch Items

  1. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 5.77% (govt-guarantees stripped).
  2. risk
    90+ days past due elevated
    Asset Quality — 90+ PD 4.70%.

What changed this quarter

Compared to Q3 2025:
↓ -2 ptscomposite
  • Liquidity
    ↑ +5
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -10
  • Reserves
    ↓ -5

The five pillars

Liquidity

StrongQoQ +5
99
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 72.1%, cash 19.6% of assets.

Cash / Assets
19.64%
Loans / Deposits
72.14%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 9.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
9.32%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 17.24%, CET1 17.24%, leverage 14.05%.

Tier 1 RBC
17.24%
CET1
17.24%
Leverage
14.05%
No watch items at this period.

Asset Quality

RiskQoQ -10
37
Sub-score

Asset quality is weak: Adjusted NPL 5.77%, Texas Ratio 22.7%, NCO YTD 0.11%.

Adjusted NPL
5.77%
Govt-guarantees stripped
Texas Ratio
22.7%
NCO YTD
0.11%
30-89 PD
1.95%
Band 0.3% / 3.0%
90+ PD
4.70%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 5.77% (govt-guarantees stripped).
  • risk90+ days past due elevated — 90+ PD 4.70%.

Reserves

WatchQoQ -5
45
Sub-score

Reserves are deteriorating: ALLL 3.21% of loans, coverage 57.5%, true coverage 50.9%.

ALLL / Loans
3.21%
Coverage
57.5%
True Loss Coverage
50.9%
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