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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 — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
66
/ 100
StableAs of 2026-Q1QoQ -9

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

Quarterly Headline

2026-Q1

Bank #729945 2026-Q1 Vital Signs Score: 66/100 — overall stable. Strongest pillar: Capitalization (strong). Weakest pillar: Asset Quality (risk).

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

Top 3 Watch Items

  1. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 4.58% (govt-guarantees stripped).
  2. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 1.93%.
  3. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.32% of loans.

What changed this quarter

Compared to Q4 2025:
↓ -9 ptscomposite
  • Liquidity
    ↓ -14
  • Securities
    ↓ -27
  • Capitalization
    — —
  • Asset Quality
    ↓ -14
  • Reserves
    ↑ +5

The five pillars

Liquidity

StrongQoQ -14
85
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 70.2%, cash 3.4% of assets.

Cash / Assets
3.38%
Loans / Deposits
70.17%
Brokered %
0.00%
No watch items at this period.

Securities

StableQoQ -27
73
Sub-score

Securities profile is stable: securities 28.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
28.05%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 17.81%, CET1 17.81%, leverage 12.36%.

Tier 1 RBC
17.81%
CET1
17.81%
Leverage
12.36%
No watch items at this period.

Asset Quality

RiskQoQ -14
24
Sub-score

Asset quality is weak: Adjusted NPL 4.58%, Texas Ratio 18.2%, NCO YTD 1.32%.

Adjusted NPL
4.58%
Govt-guarantees stripped
Texas Ratio
18.2%
NCO YTD
1.32%
30-89 PD
5.70%
Band 0.3% / 3.0%
90+ PD
1.93%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.58% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 1.93%.
  • infoNet charge-offs elevated — NCO YTD 1.32% of loans.

Reserves

WatchQoQ +5
50
Sub-score

Reserves are deteriorating: ALLL 2.95% of loans, coverage 66.3%, true coverage 56.9%.

ALLL / Loans
2.95%
Coverage
66.3%
True Loss Coverage
56.9%
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