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Citizens Bank And Trust Company

IDRSSD: 657758
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
86
/ 100
StrongAs of 2025-Q3QoQ -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-Q3

Bank #657758 2025-Q3 Vital Signs Score: 86/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (stable).

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

Top 3 Watch Items

  1. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 1.99%.
  2. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.08% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2025:
↓ -7 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    ↑ +8
  • Asset Quality
    ↓ -21
  • Reserves
    ↓ -27

The five pillars

Liquidity

StrongQoQ 0
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 70.7%, cash 20.1% of assets.

Cash / Assets
20.09%
Loans / Deposits
70.72%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 5.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
5.59%
No watch items at this period.

Capitalization

StrongQoQ +8
99
Sub-score

Capital position is strong: Tier 1 RBC 16.05%, CET1 16.05%, leverage 9.68%.

Tier 1 RBC
16.05%
CET1
16.05%
Leverage
9.68%
No watch items at this period.

Asset Quality

StableQoQ -21
62
Sub-score

Asset quality is stable: Adjusted NPL 2.08%, Texas Ratio 10.6%, NCO YTD 0.00%.

Adjusted NPL
2.08%
Govt-guarantees stripped
Texas Ratio
10.6%
NCO YTD
0.00%
30-89 PD
1.59%
Band 0.3% / 3.0%
90+ PD
1.99%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.08% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 1.99%.

Reserves

StableQoQ -27
73
Sub-score

Reserves are stable: ALLL 1.90% of loans, coverage 93.5%, true coverage 93.5%.

ALLL / Loans
1.90%
Coverage
93.5%
True Loss Coverage
93.5%
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: 2026-05-13 10:30:40 UTC