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Citizens Bank And Trust Company

IDRSSD: 357937
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
83
/ 100
StrongAs of 2025-Q2QoQ -7

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 #357937 2025-Q2 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

  1. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.02% (govt-guarantees stripped).
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.98% of assets (threshold 3%).

What changed this quarter

Compared to Q1 2025:
↓ -7 ptscomposite
  • Liquidity
    ↓ -5
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↓ -4
  • Reserves
    ↓ -31

The five pillars

Liquidity

StableQoQ -5
75
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 88.4%, cash 3.0% of assets.

Cash / Assets
2.98%
Loans / Deposits
88.40%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.98% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 7.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
7.93%
No watch items at this period.

Capitalization

StrongQoQ -1
94
Sub-score

Capital position is strong: Tier 1 RBC 13.53%, CET1 13.53%, leverage 11.71%.

Tier 1 RBC
13.53%
CET1
13.53%
Leverage
11.71%
No watch items at this period.

Asset Quality

StrongQoQ -4
80
Sub-score

Asset quality is strong: Adjusted NPL 2.02%, Texas Ratio 12.0%, NCO YTD 0.02%.

Adjusted NPL
2.02%
Govt-guarantees stripped
Texas Ratio
12.0%
NCO YTD
0.02%
30-89 PD
0.76%
Band 0.3% / 3.0%
90+ PD
0.48%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.02% (govt-guarantees stripped).

Reserves

StableQoQ -31
63
Sub-score

Reserves are stable: ALLL 1.56% of loans, coverage 78.5%, true coverage 78.2%.

ALLL / Loans
1.56%
Coverage
78.5%
True Loss Coverage
78.2%
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: 2026-05-14 15:14:20 UTC